PROTECTING PEOPLE &
BUSINESSES FOR MORE THAN 40 YEARS
Our all-lines insurance solutions and services help you protect what matters most.
OUR RISK PRACTICES
Construction Lines
Fulcro’s Construction Practice specialists are some of the most experienced professionals in the industry and understand the complex risk and liability issues the industry faces. Our team is here to help you mitigate risks, design tailored insurance programs, and guide you through important considerations such as: cost, retention, insurer solvency, coverage terms and conditions, and the claims process.
Some of the most important services provided by the Construction Risks Practice are:
Insurance Program Design & Placement
Insurance Program Design & Placement
The insurance program design and placement activities of the Construction Risks Practice are conducted by some of the most experienced professionals in construction insurance today, utilizing a structured process designed to guide and support the client’s strategic decision-making process regarding important considerations of your insurance program, including: cost, retention, insurer solvency, coverage terms and conditions, and claims services.
Surety Bonds
Need a Surety Bond? Our surety bonds experts specialize in the construction industry’s unique needs, as well as the auction process to help you get the right Bond at the best price, at the maximum capacity.
We take on bonded and insured projects of all types, from residential and industrial to infrastructural, to provide support and assistance to clients to obtain, maintain, and maximize a reliable bonding facility by thoroughly evaluating their surety credit needs.
Our approach to secure, maintain or expand a bonding line of credit is uniquely positioned not only to place Bid, Performance, or Payment Bonds but to help our clients fulfill all of their surety requirements.
Our Clients include contractors, suppliers, construction managers, architects, engineers, and developers.
Fulcro’s approach to securing and maintaining a bonding line of credit includes:
- Client Qualification with the Surety
- Financial Analysis Presentations
- Benchmarking and Organization Comparisons
- Operational Reviews
- Project Development and Risk Assessment
- Contract Claims and Disputes Consulting
*Our Surety Bonds are Borderless—available to clients in Puerto Rico, the United States, and the Virgin Islands.
Contact our specialists to find the right Bonds program needed to protect your upcoming projects.
Property & Casualty
Fulcro Insurance’s Property and Casualty operations are conducted through five major Risk Practices: Commercial Risks, Global, Construction, Government, and Personal Risks.
The teams operating each of these Practices are made up of insurance specialists with the knowledge, and professional experience to help you effectively manage loss exposures and design a tailored insurance program to protect you and your assets.
Wrap-Up Programs
Fulcro’s Construction Risk Practice was the first insurance broker in Puerto Rico to design, place and manage a wrap-up program for multiple projects (i.e., rolling wrap-up).
These programs currently insure infrastructure projects with construction values in excess of $1.3 billion and cover exposures from pre-construction to completion and extended periods after completion.
Contact our specialists to design the right Wrap-Up Program for your project.
Professional Liability Programs for Architects & Engineers
In the architect and engineering markets, Fulcro insures 40% of the top ten firms in Puerto Rico, has placed project-specific insurance programs, provided contract review expertise, and delivered specialized risk control education programs for our clients.
Since 1996, Fulcro became the exclusive Puerto Rican representative of the Professional Liability Agents Network, a nationwide organization of insurance producers with professional liability insurance expertise.
Contact our specialists to find out more about designing the right Professional Liability Programs for your Architects & Engineers.
Risk Control Programs
Risk control programs provide the greatest opportunities to achieve long-term reductions in risk costs. This is particularly true in Puerto Rico where operations are usually considered “high risk” because of their exposure to catastrophic losses, and an increasingly liberal legal environment.
Ignoring risk control not only increases the risk profile and vulnerability of your organization but also makes insurance and other feasible risk financing programs more expensive or unaffordable.
Through our in-house staff and our Global relationships, we can certainly support your risk control initiatives. Some of the most important services that can be made available to safely manage risks are:
- External audits of safety/loss control programs:
Modern Safety/Loss control audit systems measure and evaluate a significant number of activities that are critical to the control of risk in an organization. These audits can be structured to be performed for risk-specific programs (e.g., auto) or on a companywide program basis.
- Safety / Loss Control Training:
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro can perform training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
- Inspections:
Every organization is usually exposed to circumstances that create harmful loss exposures to both people and property (e.g., wear and tear of critical parts, abuse and misuse of equipment, housekeeping, unsafe activities). Many of these conditions can be undetected if the particular property or activity is not physically inspected by an independent/unbiased entity. Fulcro Insurance’s Risk Control Practice can help your organization identify or discover these loss potentials through a planned inspection program.
Safety & Loss Control Training
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro Insurance can perform a training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
Contractual Risk Transfers
Contractual Risk Transfers are cost-effective mechanisms to manage risk and can be offensive or defensive. An insured may seek to transfer risks that are better prepared to manage or that can be more cost-effectively retained or transferred via insurance.
An example is utilizing a wrap-up in a construction project. Alternatively, you may seek to transfer liability to suppliers, while seeking to avoid unintended acceptance of contractual liabilities.
We can assist you in assessing your contractual risk transfer strategy and support your organization’s efforts to monitor and ensure each party’s compliance with the agreed contractual risk allocation clauses.
Our Proprietary Contractual Risk Transfer Information System was specifically designed to provide 24-7 worldwide access required to effectively manage the exposures of clients with considerable offensive and defensive risk transfer activities.
Surety Bonds
Insurance Program Design & Placement
The insurance program design and placement activities of the Construction Risks Practice are conducted by some of the most experienced professionals in construction insurance today, utilizing a structured process designed to guide and support the client’s strategic decision-making process regarding important considerations of your insurance program, including: cost, retention, insurer solvency, coverage terms and conditions, and claims services.
Surety Bonds
Need a Surety Bond? Our surety bonds experts specialize in the construction industry’s unique needs, as well as the auction process to help you get the right Bond at the best price, at the maximum capacity.
We take on bonded and insured projects of all types, from residential and industrial to infrastructural, to provide support and assistance to clients to obtain, maintain, and maximize a reliable bonding facility by thoroughly evaluating their surety credit needs.
Our approach to secure, maintain or expand a bonding line of credit is uniquely positioned not only to place Bid, Performance, or Payment Bonds but to help our clients fulfill all of their surety requirements.
Our Clients include contractors, suppliers, construction managers, architects, engineers, and developers.
Fulcro’s approach to securing and maintaining a bonding line of credit includes:
- Client Qualification with the Surety
- Financial Analysis Presentations
- Benchmarking and Organization Comparisons
- Operational Reviews
- Project Development and Risk Assessment
- Contract Claims and Disputes Consulting
*Our Surety Bonds are Borderless—available to clients in Puerto Rico, the United States, and the Virgin Islands.
Contact our specialists to find the right Bonds program needed to protect your upcoming projects.
Property & Casualty
Fulcro Insurance’s Property and Casualty operations are conducted through five major Risk Practices: Commercial Risks, Global, Construction, Government, and Personal Risks.
The teams operating each of these Practices are made up of insurance specialists with the knowledge, and professional experience to help you effectively manage loss exposures and design a tailored insurance program to protect you and your assets.
Wrap-Up Programs
Fulcro’s Construction Risk Practice was the first insurance broker in Puerto Rico to design, place and manage a wrap-up program for multiple projects (i.e., rolling wrap-up).
These programs currently insure infrastructure projects with construction values in excess of $1.3 billion and cover exposures from pre-construction to completion and extended periods after completion.
Contact our specialists to design the right Wrap-Up Program for your project.
Professional Liability Programs for Architects & Engineers
In the architect and engineering markets, Fulcro insures 40% of the top ten firms in Puerto Rico, has placed project-specific insurance programs, provided contract review expertise, and delivered specialized risk control education programs for our clients.
Since 1996, Fulcro became the exclusive Puerto Rican representative of the Professional Liability Agents Network, a nationwide organization of insurance producers with professional liability insurance expertise.
Contact our specialists to find out more about designing the right Professional Liability Programs for your Architects & Engineers.
Risk Control Programs
Risk control programs provide the greatest opportunities to achieve long-term reductions in risk costs. This is particularly true in Puerto Rico where operations are usually considered “high risk” because of their exposure to catastrophic losses, and an increasingly liberal legal environment.
Ignoring risk control not only increases the risk profile and vulnerability of your organization but also makes insurance and other feasible risk financing programs more expensive or unaffordable.
Through our in-house staff and our Global relationships, we can certainly support your risk control initiatives. Some of the most important services that can be made available to safely manage risks are:
- External audits of safety/loss control programs:
Modern Safety/Loss control audit systems measure and evaluate a significant number of activities that are critical to the control of risk in an organization. These audits can be structured to be performed for risk-specific programs (e.g., auto) or on a companywide program basis.
- Safety / Loss Control Training:
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro can perform training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
- Inspections:
Every organization is usually exposed to circumstances that create harmful loss exposures to both people and property (e.g., wear and tear of critical parts, abuse and misuse of equipment, housekeeping, unsafe activities). Many of these conditions can be undetected if the particular property or activity is not physically inspected by an independent/unbiased entity. Fulcro Insurance’s Risk Control Practice can help your organization identify or discover these loss potentials through a planned inspection program.
Safety & Loss Control Training
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro Insurance can perform a training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
Contractual Risk Transfers
Contractual Risk Transfers are cost-effective mechanisms to manage risk and can be offensive or defensive. An insured may seek to transfer risks that are better prepared to manage or that can be more cost-effectively retained or transferred via insurance.
An example is utilizing a wrap-up in a construction project. Alternatively, you may seek to transfer liability to suppliers, while seeking to avoid unintended acceptance of contractual liabilities.
We can assist you in assessing your contractual risk transfer strategy and support your organization’s efforts to monitor and ensure each party’s compliance with the agreed contractual risk allocation clauses.
Our Proprietary Contractual Risk Transfer Information System was specifically designed to provide 24-7 worldwide access required to effectively manage the exposures of clients with considerable offensive and defensive risk transfer activities.
Property & Casualty
Insurance Program Design & Placement
The insurance program design and placement activities of the Construction Risks Practice are conducted by some of the most experienced professionals in construction insurance today, utilizing a structured process designed to guide and support the client’s strategic decision-making process regarding important considerations of your insurance program, including: cost, retention, insurer solvency, coverage terms and conditions, and claims services.
Surety Bonds
Need a Surety Bond? Our surety bonds experts specialize in the construction industry’s unique needs, as well as the auction process to help you get the right Bond at the best price, at the maximum capacity.
We take on bonded and insured projects of all types, from residential and industrial to infrastructural, to provide support and assistance to clients to obtain, maintain, and maximize a reliable bonding facility by thoroughly evaluating their surety credit needs.
Our approach to secure, maintain or expand a bonding line of credit is uniquely positioned not only to place Bid, Performance, or Payment Bonds but to help our clients fulfill all of their surety requirements.
Our Clients include contractors, suppliers, construction managers, architects, engineers, and developers.
Fulcro’s approach to securing and maintaining a bonding line of credit includes:
- Client Qualification with the Surety
- Financial Analysis Presentations
- Benchmarking and Organization Comparisons
- Operational Reviews
- Project Development and Risk Assessment
- Contract Claims and Disputes Consulting
*Our Surety Bonds are Borderless—available to clients in Puerto Rico, the United States, and the Virgin Islands.
Contact our specialists to find the right Bonds program needed to protect your upcoming projects.
Property & Casualty
Fulcro Insurance’s Property and Casualty operations are conducted through five major Risk Practices: Commercial Risks, Global, Construction, Government, and Personal Risks.
The teams operating each of these Practices are made up of insurance specialists with the knowledge, and professional experience to help you effectively manage loss exposures and design a tailored insurance program to protect you and your assets.
Wrap-Up Programs
Fulcro’s Construction Risk Practice was the first insurance broker in Puerto Rico to design, place and manage a wrap-up program for multiple projects (i.e., rolling wrap-up).
These programs currently insure infrastructure projects with construction values in excess of $1.3 billion and cover exposures from pre-construction to completion and extended periods after completion.
Contact our specialists to design the right Wrap-Up Program for your project.
Professional Liability Programs for Architects & Engineers
In the architect and engineering markets, Fulcro insures 40% of the top ten firms in Puerto Rico, has placed project-specific insurance programs, provided contract review expertise, and delivered specialized risk control education programs for our clients.
Since 1996, Fulcro became the exclusive Puerto Rican representative of the Professional Liability Agents Network, a nationwide organization of insurance producers with professional liability insurance expertise.
Contact our specialists to find out more about designing the right Professional Liability Programs for your Architects & Engineers.
Risk Control Programs
Risk control programs provide the greatest opportunities to achieve long-term reductions in risk costs. This is particularly true in Puerto Rico where operations are usually considered “high risk” because of their exposure to catastrophic losses, and an increasingly liberal legal environment.
Ignoring risk control not only increases the risk profile and vulnerability of your organization but also makes insurance and other feasible risk financing programs more expensive or unaffordable.
Through our in-house staff and our Global relationships, we can certainly support your risk control initiatives. Some of the most important services that can be made available to safely manage risks are:
- External audits of safety/loss control programs:
Modern Safety/Loss control audit systems measure and evaluate a significant number of activities that are critical to the control of risk in an organization. These audits can be structured to be performed for risk-specific programs (e.g., auto) or on a companywide program basis.
- Safety / Loss Control Training:
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro can perform training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
- Inspections:
Every organization is usually exposed to circumstances that create harmful loss exposures to both people and property (e.g., wear and tear of critical parts, abuse and misuse of equipment, housekeeping, unsafe activities). Many of these conditions can be undetected if the particular property or activity is not physically inspected by an independent/unbiased entity. Fulcro Insurance’s Risk Control Practice can help your organization identify or discover these loss potentials through a planned inspection program.
Safety & Loss Control Training
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro Insurance can perform a training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
Contractual Risk Transfers
Contractual Risk Transfers are cost-effective mechanisms to manage risk and can be offensive or defensive. An insured may seek to transfer risks that are better prepared to manage or that can be more cost-effectively retained or transferred via insurance.
An example is utilizing a wrap-up in a construction project. Alternatively, you may seek to transfer liability to suppliers, while seeking to avoid unintended acceptance of contractual liabilities.
We can assist you in assessing your contractual risk transfer strategy and support your organization’s efforts to monitor and ensure each party’s compliance with the agreed contractual risk allocation clauses.
Our Proprietary Contractual Risk Transfer Information System was specifically designed to provide 24-7 worldwide access required to effectively manage the exposures of clients with considerable offensive and defensive risk transfer activities.
Wrap-Up Programs
Insurance Program Design & Placement
The insurance program design and placement activities of the Construction Risks Practice are conducted by some of the most experienced professionals in construction insurance today, utilizing a structured process designed to guide and support the client’s strategic decision-making process regarding important considerations of your insurance program, including: cost, retention, insurer solvency, coverage terms and conditions, and claims services.
Surety Bonds
Need a Surety Bond? Our surety bonds experts specialize in the construction industry’s unique needs, as well as the auction process to help you get the right Bond at the best price, at the maximum capacity.
We take on bonded and insured projects of all types, from residential and industrial to infrastructural, to provide support and assistance to clients to obtain, maintain, and maximize a reliable bonding facility by thoroughly evaluating their surety credit needs.
Our approach to secure, maintain or expand a bonding line of credit is uniquely positioned not only to place Bid, Performance, or Payment Bonds but to help our clients fulfill all of their surety requirements.
Our Clients include contractors, suppliers, construction managers, architects, engineers, and developers.
Fulcro’s approach to securing and maintaining a bonding line of credit includes:
- Client Qualification with the Surety
- Financial Analysis Presentations
- Benchmarking and Organization Comparisons
- Operational Reviews
- Project Development and Risk Assessment
- Contract Claims and Disputes Consulting
*Our Surety Bonds are Borderless—available to clients in Puerto Rico, the United States, and the Virgin Islands.
Contact our specialists to find the right Bonds program needed to protect your upcoming projects.
Property & Casualty
Fulcro Insurance’s Property and Casualty operations are conducted through five major Risk Practices: Commercial Risks, Global, Construction, Government, and Personal Risks.
The teams operating each of these Practices are made up of insurance specialists with the knowledge, and professional experience to help you effectively manage loss exposures and design a tailored insurance program to protect you and your assets.
Wrap-Up Programs
Fulcro’s Construction Risk Practice was the first insurance broker in Puerto Rico to design, place and manage a wrap-up program for multiple projects (i.e., rolling wrap-up).
These programs currently insure infrastructure projects with construction values in excess of $1.3 billion and cover exposures from pre-construction to completion and extended periods after completion.
Contact our specialists to design the right Wrap-Up Program for your project.
Professional Liability Programs for Architects & Engineers
In the architect and engineering markets, Fulcro insures 40% of the top ten firms in Puerto Rico, has placed project-specific insurance programs, provided contract review expertise, and delivered specialized risk control education programs for our clients.
Since 1996, Fulcro became the exclusive Puerto Rican representative of the Professional Liability Agents Network, a nationwide organization of insurance producers with professional liability insurance expertise.
Contact our specialists to find out more about designing the right Professional Liability Programs for your Architects & Engineers.
Risk Control Programs
Risk control programs provide the greatest opportunities to achieve long-term reductions in risk costs. This is particularly true in Puerto Rico where operations are usually considered “high risk” because of their exposure to catastrophic losses, and an increasingly liberal legal environment.
Ignoring risk control not only increases the risk profile and vulnerability of your organization but also makes insurance and other feasible risk financing programs more expensive or unaffordable.
Through our in-house staff and our Global relationships, we can certainly support your risk control initiatives. Some of the most important services that can be made available to safely manage risks are:
- External audits of safety/loss control programs:
Modern Safety/Loss control audit systems measure and evaluate a significant number of activities that are critical to the control of risk in an organization. These audits can be structured to be performed for risk-specific programs (e.g., auto) or on a companywide program basis.
- Safety / Loss Control Training:
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro can perform training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
- Inspections:
Every organization is usually exposed to circumstances that create harmful loss exposures to both people and property (e.g., wear and tear of critical parts, abuse and misuse of equipment, housekeeping, unsafe activities). Many of these conditions can be undetected if the particular property or activity is not physically inspected by an independent/unbiased entity. Fulcro Insurance’s Risk Control Practice can help your organization identify or discover these loss potentials through a planned inspection program.
Safety & Loss Control Training
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro Insurance can perform a training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
Contractual Risk Transfers
Contractual Risk Transfers are cost-effective mechanisms to manage risk and can be offensive or defensive. An insured may seek to transfer risks that are better prepared to manage or that can be more cost-effectively retained or transferred via insurance.
An example is utilizing a wrap-up in a construction project. Alternatively, you may seek to transfer liability to suppliers, while seeking to avoid unintended acceptance of contractual liabilities.
We can assist you in assessing your contractual risk transfer strategy and support your organization’s efforts to monitor and ensure each party’s compliance with the agreed contractual risk allocation clauses.
Our Proprietary Contractual Risk Transfer Information System was specifically designed to provide 24-7 worldwide access required to effectively manage the exposures of clients with considerable offensive and defensive risk transfer activities.
Professional Liability Programs for Architects & Engineers
Insurance Program Design & Placement
The insurance program design and placement activities of the Construction Risks Practice are conducted by some of the most experienced professionals in construction insurance today, utilizing a structured process designed to guide and support the client’s strategic decision-making process regarding important considerations of your insurance program, including: cost, retention, insurer solvency, coverage terms and conditions, and claims services.
Surety Bonds
Need a Surety Bond? Our surety bonds experts specialize in the construction industry’s unique needs, as well as the auction process to help you get the right Bond at the best price, at the maximum capacity.
We take on bonded and insured projects of all types, from residential and industrial to infrastructural, to provide support and assistance to clients to obtain, maintain, and maximize a reliable bonding facility by thoroughly evaluating their surety credit needs.
Our approach to secure, maintain or expand a bonding line of credit is uniquely positioned not only to place Bid, Performance, or Payment Bonds but to help our clients fulfill all of their surety requirements.
Our Clients include contractors, suppliers, construction managers, architects, engineers, and developers.
Fulcro’s approach to securing and maintaining a bonding line of credit includes:
- Client Qualification with the Surety
- Financial Analysis Presentations
- Benchmarking and Organization Comparisons
- Operational Reviews
- Project Development and Risk Assessment
- Contract Claims and Disputes Consulting
*Our Surety Bonds are Borderless—available to clients in Puerto Rico, the United States, and the Virgin Islands.
Contact our specialists to find the right Bonds program needed to protect your upcoming projects.
Property & Casualty
Fulcro Insurance’s Property and Casualty operations are conducted through five major Risk Practices: Commercial Risks, Global, Construction, Government, and Personal Risks.
The teams operating each of these Practices are made up of insurance specialists with the knowledge, and professional experience to help you effectively manage loss exposures and design a tailored insurance program to protect you and your assets.
Wrap-Up Programs
Fulcro’s Construction Risk Practice was the first insurance broker in Puerto Rico to design, place and manage a wrap-up program for multiple projects (i.e., rolling wrap-up).
These programs currently insure infrastructure projects with construction values in excess of $1.3 billion and cover exposures from pre-construction to completion and extended periods after completion.
Contact our specialists to design the right Wrap-Up Program for your project.
Professional Liability Programs for Architects & Engineers
In the architect and engineering markets, Fulcro insures 40% of the top ten firms in Puerto Rico, has placed project-specific insurance programs, provided contract review expertise, and delivered specialized risk control education programs for our clients.
Since 1996, Fulcro became the exclusive Puerto Rican representative of the Professional Liability Agents Network, a nationwide organization of insurance producers with professional liability insurance expertise.
Contact our specialists to find out more about designing the right Professional Liability Programs for your Architects & Engineers.
Risk Control Programs
Risk control programs provide the greatest opportunities to achieve long-term reductions in risk costs. This is particularly true in Puerto Rico where operations are usually considered “high risk” because of their exposure to catastrophic losses, and an increasingly liberal legal environment.
Ignoring risk control not only increases the risk profile and vulnerability of your organization but also makes insurance and other feasible risk financing programs more expensive or unaffordable.
Through our in-house staff and our Global relationships, we can certainly support your risk control initiatives. Some of the most important services that can be made available to safely manage risks are:
- External audits of safety/loss control programs:
Modern Safety/Loss control audit systems measure and evaluate a significant number of activities that are critical to the control of risk in an organization. These audits can be structured to be performed for risk-specific programs (e.g., auto) or on a companywide program basis.
- Safety / Loss Control Training:
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro can perform training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
- Inspections:
Every organization is usually exposed to circumstances that create harmful loss exposures to both people and property (e.g., wear and tear of critical parts, abuse and misuse of equipment, housekeeping, unsafe activities). Many of these conditions can be undetected if the particular property or activity is not physically inspected by an independent/unbiased entity. Fulcro Insurance’s Risk Control Practice can help your organization identify or discover these loss potentials through a planned inspection program.
Safety & Loss Control Training
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro Insurance can perform a training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
Contractual Risk Transfers
Contractual Risk Transfers are cost-effective mechanisms to manage risk and can be offensive or defensive. An insured may seek to transfer risks that are better prepared to manage or that can be more cost-effectively retained or transferred via insurance.
An example is utilizing a wrap-up in a construction project. Alternatively, you may seek to transfer liability to suppliers, while seeking to avoid unintended acceptance of contractual liabilities.
We can assist you in assessing your contractual risk transfer strategy and support your organization’s efforts to monitor and ensure each party’s compliance with the agreed contractual risk allocation clauses.
Our Proprietary Contractual Risk Transfer Information System was specifically designed to provide 24-7 worldwide access required to effectively manage the exposures of clients with considerable offensive and defensive risk transfer activities.
Risk Control Programs
Insurance Program Design & Placement
The insurance program design and placement activities of the Construction Risks Practice are conducted by some of the most experienced professionals in construction insurance today, utilizing a structured process designed to guide and support the client’s strategic decision-making process regarding important considerations of your insurance program, including: cost, retention, insurer solvency, coverage terms and conditions, and claims services.
Surety Bonds
Need a Surety Bond? Our surety bonds experts specialize in the construction industry’s unique needs, as well as the auction process to help you get the right Bond at the best price, at the maximum capacity.
We take on bonded and insured projects of all types, from residential and industrial to infrastructural, to provide support and assistance to clients to obtain, maintain, and maximize a reliable bonding facility by thoroughly evaluating their surety credit needs.
Our approach to secure, maintain or expand a bonding line of credit is uniquely positioned not only to place Bid, Performance, or Payment Bonds but to help our clients fulfill all of their surety requirements.
Our Clients include contractors, suppliers, construction managers, architects, engineers, and developers.
Fulcro’s approach to securing and maintaining a bonding line of credit includes:
- Client Qualification with the Surety
- Financial Analysis Presentations
- Benchmarking and Organization Comparisons
- Operational Reviews
- Project Development and Risk Assessment
- Contract Claims and Disputes Consulting
*Our Surety Bonds are Borderless—available to clients in Puerto Rico, the United States, and the Virgin Islands.
Contact our specialists to find the right Bonds program needed to protect your upcoming projects.
Property & Casualty
Fulcro Insurance’s Property and Casualty operations are conducted through five major Risk Practices: Commercial Risks, Global, Construction, Government, and Personal Risks.
The teams operating each of these Practices are made up of insurance specialists with the knowledge, and professional experience to help you effectively manage loss exposures and design a tailored insurance program to protect you and your assets.
Wrap-Up Programs
Fulcro’s Construction Risk Practice was the first insurance broker in Puerto Rico to design, place and manage a wrap-up program for multiple projects (i.e., rolling wrap-up).
These programs currently insure infrastructure projects with construction values in excess of $1.3 billion and cover exposures from pre-construction to completion and extended periods after completion.
Contact our specialists to design the right Wrap-Up Program for your project.
Professional Liability Programs for Architects & Engineers
In the architect and engineering markets, Fulcro insures 40% of the top ten firms in Puerto Rico, has placed project-specific insurance programs, provided contract review expertise, and delivered specialized risk control education programs for our clients.
Since 1996, Fulcro became the exclusive Puerto Rican representative of the Professional Liability Agents Network, a nationwide organization of insurance producers with professional liability insurance expertise.
Contact our specialists to find out more about designing the right Professional Liability Programs for your Architects & Engineers.
Risk Control Programs
Risk control programs provide the greatest opportunities to achieve long-term reductions in risk costs. This is particularly true in Puerto Rico where operations are usually considered “high risk” because of their exposure to catastrophic losses, and an increasingly liberal legal environment.
Ignoring risk control not only increases the risk profile and vulnerability of your organization but also makes insurance and other feasible risk financing programs more expensive or unaffordable.
Through our in-house staff and our Global relationships, we can certainly support your risk control initiatives. Some of the most important services that can be made available to safely manage risks are:
- External audits of safety/loss control programs:
Modern Safety/Loss control audit systems measure and evaluate a significant number of activities that are critical to the control of risk in an organization. These audits can be structured to be performed for risk-specific programs (e.g., auto) or on a companywide program basis.
- Safety / Loss Control Training:
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro can perform training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
- Inspections:
Every organization is usually exposed to circumstances that create harmful loss exposures to both people and property (e.g., wear and tear of critical parts, abuse and misuse of equipment, housekeeping, unsafe activities). Many of these conditions can be undetected if the particular property or activity is not physically inspected by an independent/unbiased entity. Fulcro Insurance’s Risk Control Practice can help your organization identify or discover these loss potentials through a planned inspection program.
Safety & Loss Control Training
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro Insurance can perform a training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
Contractual Risk Transfers
Contractual Risk Transfers are cost-effective mechanisms to manage risk and can be offensive or defensive. An insured may seek to transfer risks that are better prepared to manage or that can be more cost-effectively retained or transferred via insurance.
An example is utilizing a wrap-up in a construction project. Alternatively, you may seek to transfer liability to suppliers, while seeking to avoid unintended acceptance of contractual liabilities.
We can assist you in assessing your contractual risk transfer strategy and support your organization’s efforts to monitor and ensure each party’s compliance with the agreed contractual risk allocation clauses.
Our Proprietary Contractual Risk Transfer Information System was specifically designed to provide 24-7 worldwide access required to effectively manage the exposures of clients with considerable offensive and defensive risk transfer activities.
Safety & Loss Control Training
Insurance Program Design & Placement
The insurance program design and placement activities of the Construction Risks Practice are conducted by some of the most experienced professionals in construction insurance today, utilizing a structured process designed to guide and support the client’s strategic decision-making process regarding important considerations of your insurance program, including: cost, retention, insurer solvency, coverage terms and conditions, and claims services.
Surety Bonds
Need a Surety Bond? Our surety bonds experts specialize in the construction industry’s unique needs, as well as the auction process to help you get the right Bond at the best price, at the maximum capacity.
We take on bonded and insured projects of all types, from residential and industrial to infrastructural, to provide support and assistance to clients to obtain, maintain, and maximize a reliable bonding facility by thoroughly evaluating their surety credit needs.
Our approach to secure, maintain or expand a bonding line of credit is uniquely positioned not only to place Bid, Performance, or Payment Bonds but to help our clients fulfill all of their surety requirements.
Our Clients include contractors, suppliers, construction managers, architects, engineers, and developers.
Fulcro’s approach to securing and maintaining a bonding line of credit includes:
- Client Qualification with the Surety
- Financial Analysis Presentations
- Benchmarking and Organization Comparisons
- Operational Reviews
- Project Development and Risk Assessment
- Contract Claims and Disputes Consulting
*Our Surety Bonds are Borderless—available to clients in Puerto Rico, the United States, and the Virgin Islands.
Contact our specialists to find the right Bonds program needed to protect your upcoming projects.
Property & Casualty
Fulcro Insurance’s Property and Casualty operations are conducted through five major Risk Practices: Commercial Risks, Global, Construction, Government, and Personal Risks.
The teams operating each of these Practices are made up of insurance specialists with the knowledge, and professional experience to help you effectively manage loss exposures and design a tailored insurance program to protect you and your assets.
Wrap-Up Programs
Fulcro’s Construction Risk Practice was the first insurance broker in Puerto Rico to design, place and manage a wrap-up program for multiple projects (i.e., rolling wrap-up).
These programs currently insure infrastructure projects with construction values in excess of $1.3 billion and cover exposures from pre-construction to completion and extended periods after completion.
Contact our specialists to design the right Wrap-Up Program for your project.
Professional Liability Programs for Architects & Engineers
In the architect and engineering markets, Fulcro insures 40% of the top ten firms in Puerto Rico, has placed project-specific insurance programs, provided contract review expertise, and delivered specialized risk control education programs for our clients.
Since 1996, Fulcro became the exclusive Puerto Rican representative of the Professional Liability Agents Network, a nationwide organization of insurance producers with professional liability insurance expertise.
Contact our specialists to find out more about designing the right Professional Liability Programs for your Architects & Engineers.
Risk Control Programs
Risk control programs provide the greatest opportunities to achieve long-term reductions in risk costs. This is particularly true in Puerto Rico where operations are usually considered “high risk” because of their exposure to catastrophic losses, and an increasingly liberal legal environment.
Ignoring risk control not only increases the risk profile and vulnerability of your organization but also makes insurance and other feasible risk financing programs more expensive or unaffordable.
Through our in-house staff and our Global relationships, we can certainly support your risk control initiatives. Some of the most important services that can be made available to safely manage risks are:
- External audits of safety/loss control programs:
Modern Safety/Loss control audit systems measure and evaluate a significant number of activities that are critical to the control of risk in an organization. These audits can be structured to be performed for risk-specific programs (e.g., auto) or on a companywide program basis.
- Safety / Loss Control Training:
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro can perform training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
- Inspections:
Every organization is usually exposed to circumstances that create harmful loss exposures to both people and property (e.g., wear and tear of critical parts, abuse and misuse of equipment, housekeeping, unsafe activities). Many of these conditions can be undetected if the particular property or activity is not physically inspected by an independent/unbiased entity. Fulcro Insurance’s Risk Control Practice can help your organization identify or discover these loss potentials through a planned inspection program.
Safety & Loss Control Training
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro Insurance can perform a training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
Contractual Risk Transfers
Contractual Risk Transfers are cost-effective mechanisms to manage risk and can be offensive or defensive. An insured may seek to transfer risks that are better prepared to manage or that can be more cost-effectively retained or transferred via insurance.
An example is utilizing a wrap-up in a construction project. Alternatively, you may seek to transfer liability to suppliers, while seeking to avoid unintended acceptance of contractual liabilities.
We can assist you in assessing your contractual risk transfer strategy and support your organization’s efforts to monitor and ensure each party’s compliance with the agreed contractual risk allocation clauses.
Our Proprietary Contractual Risk Transfer Information System was specifically designed to provide 24-7 worldwide access required to effectively manage the exposures of clients with considerable offensive and defensive risk transfer activities.
Contractual Risk Transfers
Insurance Program Design & Placement
The insurance program design and placement activities of the Construction Risks Practice are conducted by some of the most experienced professionals in construction insurance today, utilizing a structured process designed to guide and support the client’s strategic decision-making process regarding important considerations of your insurance program, including: cost, retention, insurer solvency, coverage terms and conditions, and claims services.
Surety Bonds
Need a Surety Bond? Our surety bonds experts specialize in the construction industry’s unique needs, as well as the auction process to help you get the right Bond at the best price, at the maximum capacity.
We take on bonded and insured projects of all types, from residential and industrial to infrastructural, to provide support and assistance to clients to obtain, maintain, and maximize a reliable bonding facility by thoroughly evaluating their surety credit needs.
Our approach to secure, maintain or expand a bonding line of credit is uniquely positioned not only to place Bid, Performance, or Payment Bonds but to help our clients fulfill all of their surety requirements.
Our Clients include contractors, suppliers, construction managers, architects, engineers, and developers.
Fulcro’s approach to securing and maintaining a bonding line of credit includes:
- Client Qualification with the Surety
- Financial Analysis Presentations
- Benchmarking and Organization Comparisons
- Operational Reviews
- Project Development and Risk Assessment
- Contract Claims and Disputes Consulting
*Our Surety Bonds are Borderless—available to clients in Puerto Rico, the United States, and the Virgin Islands.
Contact our specialists to find the right Bonds program needed to protect your upcoming projects.
Property & Casualty
Fulcro Insurance’s Property and Casualty operations are conducted through five major Risk Practices: Commercial Risks, Global, Construction, Government, and Personal Risks.
The teams operating each of these Practices are made up of insurance specialists with the knowledge, and professional experience to help you effectively manage loss exposures and design a tailored insurance program to protect you and your assets.
Wrap-Up Programs
Fulcro’s Construction Risk Practice was the first insurance broker in Puerto Rico to design, place and manage a wrap-up program for multiple projects (i.e., rolling wrap-up).
These programs currently insure infrastructure projects with construction values in excess of $1.3 billion and cover exposures from pre-construction to completion and extended periods after completion.
Contact our specialists to design the right Wrap-Up Program for your project.
Professional Liability Programs for Architects & Engineers
In the architect and engineering markets, Fulcro insures 40% of the top ten firms in Puerto Rico, has placed project-specific insurance programs, provided contract review expertise, and delivered specialized risk control education programs for our clients.
Since 1996, Fulcro became the exclusive Puerto Rican representative of the Professional Liability Agents Network, a nationwide organization of insurance producers with professional liability insurance expertise.
Contact our specialists to find out more about designing the right Professional Liability Programs for your Architects & Engineers.
Risk Control Programs
Risk control programs provide the greatest opportunities to achieve long-term reductions in risk costs. This is particularly true in Puerto Rico where operations are usually considered “high risk” because of their exposure to catastrophic losses, and an increasingly liberal legal environment.
Ignoring risk control not only increases the risk profile and vulnerability of your organization but also makes insurance and other feasible risk financing programs more expensive or unaffordable.
Through our in-house staff and our Global relationships, we can certainly support your risk control initiatives. Some of the most important services that can be made available to safely manage risks are:
- External audits of safety/loss control programs:
Modern Safety/Loss control audit systems measure and evaluate a significant number of activities that are critical to the control of risk in an organization. These audits can be structured to be performed for risk-specific programs (e.g., auto) or on a companywide program basis.
- Safety / Loss Control Training:
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro can perform training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
- Inspections:
Every organization is usually exposed to circumstances that create harmful loss exposures to both people and property (e.g., wear and tear of critical parts, abuse and misuse of equipment, housekeeping, unsafe activities). Many of these conditions can be undetected if the particular property or activity is not physically inspected by an independent/unbiased entity. Fulcro Insurance’s Risk Control Practice can help your organization identify or discover these loss potentials through a planned inspection program.
Safety & Loss Control Training
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro Insurance can perform a training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
Contractual Risk Transfers
Contractual Risk Transfers are cost-effective mechanisms to manage risk and can be offensive or defensive. An insured may seek to transfer risks that are better prepared to manage or that can be more cost-effectively retained or transferred via insurance.
An example is utilizing a wrap-up in a construction project. Alternatively, you may seek to transfer liability to suppliers, while seeking to avoid unintended acceptance of contractual liabilities.
We can assist you in assessing your contractual risk transfer strategy and support your organization’s efforts to monitor and ensure each party’s compliance with the agreed contractual risk allocation clauses.
Our Proprietary Contractual Risk Transfer Information System was specifically designed to provide 24-7 worldwide access required to effectively manage the exposures of clients with considerable offensive and defensive risk transfer activities.
Contact one of our specialists:
Ruben Jordan Blanes
Leader of the Construction Risk Practice
Commercial Lines
Fulcro’s Commercial Risk specialists help businesses of all sizes design tailored insurance programs to protect your company, employees, leadership, and assets from unexpected losses.
We serve the needs of manufacturing and processing plants, transportation, retail and wholesale distribution, government entities, professional services, the energy industry, educational institutions, construction operations, and more.
Surety Bonds
Surety Bonds
Need a Surety Bond? Our surety bonds experts specialize in the construction industry’s unique needs, as well as the auction process to help you get the right Bond at the best price, at the maximum capacity.
We take on bonded and insured projects of all types, from residential and industrial to infrastructural, to provide support and assistance to clients to obtain, maintain, and maximize a reliable bonding facility by thoroughly evaluating their surety credit needs.
Our approach to secure, maintain or expand a bonding line of credit is uniquely positioned not only to place Bid, Performance, or Payment Bonds but to help our clients fulfill all of their surety requirements.
Our Clients include contractors, suppliers, construction managers, architects, engineers, and developers.
Fulcro’s approach to securing and maintaining a bonding line of credit includes:
- Client Qualification with the Surety
- Financial Analysis Presentations
- Benchmarking and Organization Comparisons
- Operational Reviews
- Project Development and Risk Assessment
- Contract Claims and Disputes Consulting
*Our Surety Bonds are Borderless—available to clients in Puerto Rico, the United States, and the Virgin Islands.
Contact our specialists to find the right Bonds program needed to protect your upcoming projects.
Property & Casualty
Fulcro Insurance’s Property and Casualty operations are conducted through five major Risk Practices: Commercial Risks, Global, Construction, Government, and Personal Risks.
The teams operating each of these Practices are made up of insurance specialists with the knowledge, and professional experience to help you effectively manage loss exposures and design a tailored insurance program to protect you and your assets.
Risk Control Programs
Risk control programs provide the greatest opportunities to achieve long-term reductions in risk costs. This is particularly true in Puerto Rico where operations are usually considered “high risk” because of their exposure to catastrophic losses, and an increasingly liberal legal environment.
Ignoring risk control not only increases the risk profile and vulnerability of your organization but also makes insurance and other feasible risk financing programs more expensive or unaffordable.
Through our in-house staff and our Global relationships, we can certainly support your risk control initiatives. Some of the most important services that can be made available to safely manage risks are:
- External audits of safety/loss control programs:
Modern Safety/Loss control audit systems measure and evaluate a significant number of activities that are critical to the control of risk in an organization. These audits can be structured to be performed for risk-specific programs (e.g., auto) or on a companywide program basis.
- Safety / Loss Control Training:
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro can perform training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
- Inspections:
Every organization is usually exposed to circumstances that create harmful loss exposures to both people and property (e.g., wear and tear of critical parts, abuse and misuse of equipment, housekeeping, unsafe activities). Many of these conditions can be undetected if the particular property or activity is not physically inspected by an independent/unbiased entity. Fulcro Insurance’s Risk Control Practice can help your organization identify or discover these loss potentials through a planned inspection program.
Safety & Loss Control Training
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro Insurance can perform a training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
Contractual Risk Transfers
Contractual Risk Transfers are cost-effective mechanisms to manage risk and can be offensive or defensive. An insured may seek to transfer risks that are better prepared to manage or that can be more cost-effectively retained or transferred via insurance.
An example is utilizing a wrap-up in a construction project. Alternatively, you may seek to transfer liability to suppliers, while seeking to avoid unintended acceptance of contractual liabilities.
We can assist you in assessing your contractual risk transfer strategy and support your organization’s efforts to monitor and ensure each party’s compliance with the agreed contractual risk allocation clauses.
Our Proprietary Contractual Risk Transfer Information System was specifically designed to provide 24-7 worldwide access required to effectively manage the exposures of clients with considerable offensive and defensive risk transfer activities.
Insurance Program Design & Placement of Commercial Lines
The insurance program design and placement activities of the Commercial Risks Practice are conducted by some of the most experienced professionals in insurance today, utilizing a structured process designed to guide and support the client’s strategic decision-making process regarding important considerations of your insurance program, including: cost, retention, insurer solvency, coverage terms and conditions, and claims services.
Professional Liability
Provides protection for professionals if there are errors or omissions in services rendered. Essentially, it helps cover claims of negligence, misrepresentations, and inaccurate advice. Anyone offering professional services and/or advice to their customers should have this insurance.
Property & Casualty
Surety Bonds
Need a Surety Bond? Our surety bonds experts specialize in the construction industry’s unique needs, as well as the auction process to help you get the right Bond at the best price, at the maximum capacity.
We take on bonded and insured projects of all types, from residential and industrial to infrastructural, to provide support and assistance to clients to obtain, maintain, and maximize a reliable bonding facility by thoroughly evaluating their surety credit needs.
Our approach to secure, maintain or expand a bonding line of credit is uniquely positioned not only to place Bid, Performance, or Payment Bonds but to help our clients fulfill all of their surety requirements.
Our Clients include contractors, suppliers, construction managers, architects, engineers, and developers.
Fulcro’s approach to securing and maintaining a bonding line of credit includes:
- Client Qualification with the Surety
- Financial Analysis Presentations
- Benchmarking and Organization Comparisons
- Operational Reviews
- Project Development and Risk Assessment
- Contract Claims and Disputes Consulting
*Our Surety Bonds are Borderless—available to clients in Puerto Rico, the United States, and the Virgin Islands.
Contact our specialists to find the right Bonds program needed to protect your upcoming projects.
Property & Casualty
Fulcro Insurance’s Property and Casualty operations are conducted through five major Risk Practices: Commercial Risks, Global, Construction, Government, and Personal Risks.
The teams operating each of these Practices are made up of insurance specialists with the knowledge, and professional experience to help you effectively manage loss exposures and design a tailored insurance program to protect you and your assets.
Risk Control Programs
Risk control programs provide the greatest opportunities to achieve long-term reductions in risk costs. This is particularly true in Puerto Rico where operations are usually considered “high risk” because of their exposure to catastrophic losses, and an increasingly liberal legal environment.
Ignoring risk control not only increases the risk profile and vulnerability of your organization but also makes insurance and other feasible risk financing programs more expensive or unaffordable.
Through our in-house staff and our Global relationships, we can certainly support your risk control initiatives. Some of the most important services that can be made available to safely manage risks are:
- External audits of safety/loss control programs:
Modern Safety/Loss control audit systems measure and evaluate a significant number of activities that are critical to the control of risk in an organization. These audits can be structured to be performed for risk-specific programs (e.g., auto) or on a companywide program basis.
- Safety / Loss Control Training:
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro can perform training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
- Inspections:
Every organization is usually exposed to circumstances that create harmful loss exposures to both people and property (e.g., wear and tear of critical parts, abuse and misuse of equipment, housekeeping, unsafe activities). Many of these conditions can be undetected if the particular property or activity is not physically inspected by an independent/unbiased entity. Fulcro Insurance’s Risk Control Practice can help your organization identify or discover these loss potentials through a planned inspection program.
Safety & Loss Control Training
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro Insurance can perform a training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
Contractual Risk Transfers
Contractual Risk Transfers are cost-effective mechanisms to manage risk and can be offensive or defensive. An insured may seek to transfer risks that are better prepared to manage or that can be more cost-effectively retained or transferred via insurance.
An example is utilizing a wrap-up in a construction project. Alternatively, you may seek to transfer liability to suppliers, while seeking to avoid unintended acceptance of contractual liabilities.
We can assist you in assessing your contractual risk transfer strategy and support your organization’s efforts to monitor and ensure each party’s compliance with the agreed contractual risk allocation clauses.
Our Proprietary Contractual Risk Transfer Information System was specifically designed to provide 24-7 worldwide access required to effectively manage the exposures of clients with considerable offensive and defensive risk transfer activities.
Insurance Program Design & Placement of Commercial Lines
The insurance program design and placement activities of the Commercial Risks Practice are conducted by some of the most experienced professionals in insurance today, utilizing a structured process designed to guide and support the client’s strategic decision-making process regarding important considerations of your insurance program, including: cost, retention, insurer solvency, coverage terms and conditions, and claims services.
Professional Liability
Provides protection for professionals if there are errors or omissions in services rendered. Essentially, it helps cover claims of negligence, misrepresentations, and inaccurate advice. Anyone offering professional services and/or advice to their customers should have this insurance.
Risk Control Programs
Surety Bonds
Need a Surety Bond? Our surety bonds experts specialize in the construction industry’s unique needs, as well as the auction process to help you get the right Bond at the best price, at the maximum capacity.
We take on bonded and insured projects of all types, from residential and industrial to infrastructural, to provide support and assistance to clients to obtain, maintain, and maximize a reliable bonding facility by thoroughly evaluating their surety credit needs.
Our approach to secure, maintain or expand a bonding line of credit is uniquely positioned not only to place Bid, Performance, or Payment Bonds but to help our clients fulfill all of their surety requirements.
Our Clients include contractors, suppliers, construction managers, architects, engineers, and developers.
Fulcro’s approach to securing and maintaining a bonding line of credit includes:
- Client Qualification with the Surety
- Financial Analysis Presentations
- Benchmarking and Organization Comparisons
- Operational Reviews
- Project Development and Risk Assessment
- Contract Claims and Disputes Consulting
*Our Surety Bonds are Borderless—available to clients in Puerto Rico, the United States, and the Virgin Islands.
Contact our specialists to find the right Bonds program needed to protect your upcoming projects.
Property & Casualty
Fulcro Insurance’s Property and Casualty operations are conducted through five major Risk Practices: Commercial Risks, Global, Construction, Government, and Personal Risks.
The teams operating each of these Practices are made up of insurance specialists with the knowledge, and professional experience to help you effectively manage loss exposures and design a tailored insurance program to protect you and your assets.
Risk Control Programs
Risk control programs provide the greatest opportunities to achieve long-term reductions in risk costs. This is particularly true in Puerto Rico where operations are usually considered “high risk” because of their exposure to catastrophic losses, and an increasingly liberal legal environment.
Ignoring risk control not only increases the risk profile and vulnerability of your organization but also makes insurance and other feasible risk financing programs more expensive or unaffordable.
Through our in-house staff and our Global relationships, we can certainly support your risk control initiatives. Some of the most important services that can be made available to safely manage risks are:
- External audits of safety/loss control programs:
Modern Safety/Loss control audit systems measure and evaluate a significant number of activities that are critical to the control of risk in an organization. These audits can be structured to be performed for risk-specific programs (e.g., auto) or on a companywide program basis.
- Safety / Loss Control Training:
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro can perform training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
- Inspections:
Every organization is usually exposed to circumstances that create harmful loss exposures to both people and property (e.g., wear and tear of critical parts, abuse and misuse of equipment, housekeeping, unsafe activities). Many of these conditions can be undetected if the particular property or activity is not physically inspected by an independent/unbiased entity. Fulcro Insurance’s Risk Control Practice can help your organization identify or discover these loss potentials through a planned inspection program.
Safety & Loss Control Training
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro Insurance can perform a training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
Contractual Risk Transfers
Contractual Risk Transfers are cost-effective mechanisms to manage risk and can be offensive or defensive. An insured may seek to transfer risks that are better prepared to manage or that can be more cost-effectively retained or transferred via insurance.
An example is utilizing a wrap-up in a construction project. Alternatively, you may seek to transfer liability to suppliers, while seeking to avoid unintended acceptance of contractual liabilities.
We can assist you in assessing your contractual risk transfer strategy and support your organization’s efforts to monitor and ensure each party’s compliance with the agreed contractual risk allocation clauses.
Our Proprietary Contractual Risk Transfer Information System was specifically designed to provide 24-7 worldwide access required to effectively manage the exposures of clients with considerable offensive and defensive risk transfer activities.
Insurance Program Design & Placement of Commercial Lines
The insurance program design and placement activities of the Commercial Risks Practice are conducted by some of the most experienced professionals in insurance today, utilizing a structured process designed to guide and support the client’s strategic decision-making process regarding important considerations of your insurance program, including: cost, retention, insurer solvency, coverage terms and conditions, and claims services.
Professional Liability
Provides protection for professionals if there are errors or omissions in services rendered. Essentially, it helps cover claims of negligence, misrepresentations, and inaccurate advice. Anyone offering professional services and/or advice to their customers should have this insurance.
Safety & Loss Control Training
Surety Bonds
Need a Surety Bond? Our surety bonds experts specialize in the construction industry’s unique needs, as well as the auction process to help you get the right Bond at the best price, at the maximum capacity.
We take on bonded and insured projects of all types, from residential and industrial to infrastructural, to provide support and assistance to clients to obtain, maintain, and maximize a reliable bonding facility by thoroughly evaluating their surety credit needs.
Our approach to secure, maintain or expand a bonding line of credit is uniquely positioned not only to place Bid, Performance, or Payment Bonds but to help our clients fulfill all of their surety requirements.
Our Clients include contractors, suppliers, construction managers, architects, engineers, and developers.
Fulcro’s approach to securing and maintaining a bonding line of credit includes:
- Client Qualification with the Surety
- Financial Analysis Presentations
- Benchmarking and Organization Comparisons
- Operational Reviews
- Project Development and Risk Assessment
- Contract Claims and Disputes Consulting
*Our Surety Bonds are Borderless—available to clients in Puerto Rico, the United States, and the Virgin Islands.
Contact our specialists to find the right Bonds program needed to protect your upcoming projects.
Property & Casualty
Fulcro Insurance’s Property and Casualty operations are conducted through five major Risk Practices: Commercial Risks, Global, Construction, Government, and Personal Risks.
The teams operating each of these Practices are made up of insurance specialists with the knowledge, and professional experience to help you effectively manage loss exposures and design a tailored insurance program to protect you and your assets.
Risk Control Programs
Risk control programs provide the greatest opportunities to achieve long-term reductions in risk costs. This is particularly true in Puerto Rico where operations are usually considered “high risk” because of their exposure to catastrophic losses, and an increasingly liberal legal environment.
Ignoring risk control not only increases the risk profile and vulnerability of your organization but also makes insurance and other feasible risk financing programs more expensive or unaffordable.
Through our in-house staff and our Global relationships, we can certainly support your risk control initiatives. Some of the most important services that can be made available to safely manage risks are:
- External audits of safety/loss control programs:
Modern Safety/Loss control audit systems measure and evaluate a significant number of activities that are critical to the control of risk in an organization. These audits can be structured to be performed for risk-specific programs (e.g., auto) or on a companywide program basis.
- Safety / Loss Control Training:
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro can perform training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
- Inspections:
Every organization is usually exposed to circumstances that create harmful loss exposures to both people and property (e.g., wear and tear of critical parts, abuse and misuse of equipment, housekeeping, unsafe activities). Many of these conditions can be undetected if the particular property or activity is not physically inspected by an independent/unbiased entity. Fulcro Insurance’s Risk Control Practice can help your organization identify or discover these loss potentials through a planned inspection program.
Safety & Loss Control Training
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro Insurance can perform a training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
Contractual Risk Transfers
Contractual Risk Transfers are cost-effective mechanisms to manage risk and can be offensive or defensive. An insured may seek to transfer risks that are better prepared to manage or that can be more cost-effectively retained or transferred via insurance.
An example is utilizing a wrap-up in a construction project. Alternatively, you may seek to transfer liability to suppliers, while seeking to avoid unintended acceptance of contractual liabilities.
We can assist you in assessing your contractual risk transfer strategy and support your organization’s efforts to monitor and ensure each party’s compliance with the agreed contractual risk allocation clauses.
Our Proprietary Contractual Risk Transfer Information System was specifically designed to provide 24-7 worldwide access required to effectively manage the exposures of clients with considerable offensive and defensive risk transfer activities.
Insurance Program Design & Placement of Commercial Lines
The insurance program design and placement activities of the Commercial Risks Practice are conducted by some of the most experienced professionals in insurance today, utilizing a structured process designed to guide and support the client’s strategic decision-making process regarding important considerations of your insurance program, including: cost, retention, insurer solvency, coverage terms and conditions, and claims services.
Professional Liability
Provides protection for professionals if there are errors or omissions in services rendered. Essentially, it helps cover claims of negligence, misrepresentations, and inaccurate advice. Anyone offering professional services and/or advice to their customers should have this insurance.
Contractual Risk Transfers
Surety Bonds
Need a Surety Bond? Our surety bonds experts specialize in the construction industry’s unique needs, as well as the auction process to help you get the right Bond at the best price, at the maximum capacity.
We take on bonded and insured projects of all types, from residential and industrial to infrastructural, to provide support and assistance to clients to obtain, maintain, and maximize a reliable bonding facility by thoroughly evaluating their surety credit needs.
Our approach to secure, maintain or expand a bonding line of credit is uniquely positioned not only to place Bid, Performance, or Payment Bonds but to help our clients fulfill all of their surety requirements.
Our Clients include contractors, suppliers, construction managers, architects, engineers, and developers.
Fulcro’s approach to securing and maintaining a bonding line of credit includes:
- Client Qualification with the Surety
- Financial Analysis Presentations
- Benchmarking and Organization Comparisons
- Operational Reviews
- Project Development and Risk Assessment
- Contract Claims and Disputes Consulting
*Our Surety Bonds are Borderless—available to clients in Puerto Rico, the United States, and the Virgin Islands.
Contact our specialists to find the right Bonds program needed to protect your upcoming projects.
Property & Casualty
Fulcro Insurance’s Property and Casualty operations are conducted through five major Risk Practices: Commercial Risks, Global, Construction, Government, and Personal Risks.
The teams operating each of these Practices are made up of insurance specialists with the knowledge, and professional experience to help you effectively manage loss exposures and design a tailored insurance program to protect you and your assets.
Risk Control Programs
Risk control programs provide the greatest opportunities to achieve long-term reductions in risk costs. This is particularly true in Puerto Rico where operations are usually considered “high risk” because of their exposure to catastrophic losses, and an increasingly liberal legal environment.
Ignoring risk control not only increases the risk profile and vulnerability of your organization but also makes insurance and other feasible risk financing programs more expensive or unaffordable.
Through our in-house staff and our Global relationships, we can certainly support your risk control initiatives. Some of the most important services that can be made available to safely manage risks are:
- External audits of safety/loss control programs:
Modern Safety/Loss control audit systems measure and evaluate a significant number of activities that are critical to the control of risk in an organization. These audits can be structured to be performed for risk-specific programs (e.g., auto) or on a companywide program basis.
- Safety / Loss Control Training:
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro can perform training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
- Inspections:
Every organization is usually exposed to circumstances that create harmful loss exposures to both people and property (e.g., wear and tear of critical parts, abuse and misuse of equipment, housekeeping, unsafe activities). Many of these conditions can be undetected if the particular property or activity is not physically inspected by an independent/unbiased entity. Fulcro Insurance’s Risk Control Practice can help your organization identify or discover these loss potentials through a planned inspection program.
Safety & Loss Control Training
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro Insurance can perform a training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
Contractual Risk Transfers
Contractual Risk Transfers are cost-effective mechanisms to manage risk and can be offensive or defensive. An insured may seek to transfer risks that are better prepared to manage or that can be more cost-effectively retained or transferred via insurance.
An example is utilizing a wrap-up in a construction project. Alternatively, you may seek to transfer liability to suppliers, while seeking to avoid unintended acceptance of contractual liabilities.
We can assist you in assessing your contractual risk transfer strategy and support your organization’s efforts to monitor and ensure each party’s compliance with the agreed contractual risk allocation clauses.
Our Proprietary Contractual Risk Transfer Information System was specifically designed to provide 24-7 worldwide access required to effectively manage the exposures of clients with considerable offensive and defensive risk transfer activities.
Insurance Program Design & Placement of Commercial Lines
The insurance program design and placement activities of the Commercial Risks Practice are conducted by some of the most experienced professionals in insurance today, utilizing a structured process designed to guide and support the client’s strategic decision-making process regarding important considerations of your insurance program, including: cost, retention, insurer solvency, coverage terms and conditions, and claims services.
Professional Liability
Provides protection for professionals if there are errors or omissions in services rendered. Essentially, it helps cover claims of negligence, misrepresentations, and inaccurate advice. Anyone offering professional services and/or advice to their customers should have this insurance.
Insurance Program Design & Placement of Commercial Lines
Surety Bonds
Need a Surety Bond? Our surety bonds experts specialize in the construction industry’s unique needs, as well as the auction process to help you get the right Bond at the best price, at the maximum capacity.
We take on bonded and insured projects of all types, from residential and industrial to infrastructural, to provide support and assistance to clients to obtain, maintain, and maximize a reliable bonding facility by thoroughly evaluating their surety credit needs.
Our approach to secure, maintain or expand a bonding line of credit is uniquely positioned not only to place Bid, Performance, or Payment Bonds but to help our clients fulfill all of their surety requirements.
Our Clients include contractors, suppliers, construction managers, architects, engineers, and developers.
Fulcro’s approach to securing and maintaining a bonding line of credit includes:
- Client Qualification with the Surety
- Financial Analysis Presentations
- Benchmarking and Organization Comparisons
- Operational Reviews
- Project Development and Risk Assessment
- Contract Claims and Disputes Consulting
*Our Surety Bonds are Borderless—available to clients in Puerto Rico, the United States, and the Virgin Islands.
Contact our specialists to find the right Bonds program needed to protect your upcoming projects.
Property & Casualty
Fulcro Insurance’s Property and Casualty operations are conducted through five major Risk Practices: Commercial Risks, Global, Construction, Government, and Personal Risks.
The teams operating each of these Practices are made up of insurance specialists with the knowledge, and professional experience to help you effectively manage loss exposures and design a tailored insurance program to protect you and your assets.
Risk Control Programs
Risk control programs provide the greatest opportunities to achieve long-term reductions in risk costs. This is particularly true in Puerto Rico where operations are usually considered “high risk” because of their exposure to catastrophic losses, and an increasingly liberal legal environment.
Ignoring risk control not only increases the risk profile and vulnerability of your organization but also makes insurance and other feasible risk financing programs more expensive or unaffordable.
Through our in-house staff and our Global relationships, we can certainly support your risk control initiatives. Some of the most important services that can be made available to safely manage risks are:
- External audits of safety/loss control programs:
Modern Safety/Loss control audit systems measure and evaluate a significant number of activities that are critical to the control of risk in an organization. These audits can be structured to be performed for risk-specific programs (e.g., auto) or on a companywide program basis.
- Safety / Loss Control Training:
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro can perform training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
- Inspections:
Every organization is usually exposed to circumstances that create harmful loss exposures to both people and property (e.g., wear and tear of critical parts, abuse and misuse of equipment, housekeeping, unsafe activities). Many of these conditions can be undetected if the particular property or activity is not physically inspected by an independent/unbiased entity. Fulcro Insurance’s Risk Control Practice can help your organization identify or discover these loss potentials through a planned inspection program.
Safety & Loss Control Training
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro Insurance can perform a training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
Contractual Risk Transfers
Contractual Risk Transfers are cost-effective mechanisms to manage risk and can be offensive or defensive. An insured may seek to transfer risks that are better prepared to manage or that can be more cost-effectively retained or transferred via insurance.
An example is utilizing a wrap-up in a construction project. Alternatively, you may seek to transfer liability to suppliers, while seeking to avoid unintended acceptance of contractual liabilities.
We can assist you in assessing your contractual risk transfer strategy and support your organization’s efforts to monitor and ensure each party’s compliance with the agreed contractual risk allocation clauses.
Our Proprietary Contractual Risk Transfer Information System was specifically designed to provide 24-7 worldwide access required to effectively manage the exposures of clients with considerable offensive and defensive risk transfer activities.
Insurance Program Design & Placement of Commercial Lines
The insurance program design and placement activities of the Commercial Risks Practice are conducted by some of the most experienced professionals in insurance today, utilizing a structured process designed to guide and support the client’s strategic decision-making process regarding important considerations of your insurance program, including: cost, retention, insurer solvency, coverage terms and conditions, and claims services.
Professional Liability
Provides protection for professionals if there are errors or omissions in services rendered. Essentially, it helps cover claims of negligence, misrepresentations, and inaccurate advice. Anyone offering professional services and/or advice to their customers should have this insurance.
Professional Liability
Surety Bonds
Need a Surety Bond? Our surety bonds experts specialize in the construction industry’s unique needs, as well as the auction process to help you get the right Bond at the best price, at the maximum capacity.
We take on bonded and insured projects of all types, from residential and industrial to infrastructural, to provide support and assistance to clients to obtain, maintain, and maximize a reliable bonding facility by thoroughly evaluating their surety credit needs.
Our approach to secure, maintain or expand a bonding line of credit is uniquely positioned not only to place Bid, Performance, or Payment Bonds but to help our clients fulfill all of their surety requirements.
Our Clients include contractors, suppliers, construction managers, architects, engineers, and developers.
Fulcro’s approach to securing and maintaining a bonding line of credit includes:
- Client Qualification with the Surety
- Financial Analysis Presentations
- Benchmarking and Organization Comparisons
- Operational Reviews
- Project Development and Risk Assessment
- Contract Claims and Disputes Consulting
*Our Surety Bonds are Borderless—available to clients in Puerto Rico, the United States, and the Virgin Islands.
Contact our specialists to find the right Bonds program needed to protect your upcoming projects.
Property & Casualty
Fulcro Insurance’s Property and Casualty operations are conducted through five major Risk Practices: Commercial Risks, Global, Construction, Government, and Personal Risks.
The teams operating each of these Practices are made up of insurance specialists with the knowledge, and professional experience to help you effectively manage loss exposures and design a tailored insurance program to protect you and your assets.
Risk Control Programs
Risk control programs provide the greatest opportunities to achieve long-term reductions in risk costs. This is particularly true in Puerto Rico where operations are usually considered “high risk” because of their exposure to catastrophic losses, and an increasingly liberal legal environment.
Ignoring risk control not only increases the risk profile and vulnerability of your organization but also makes insurance and other feasible risk financing programs more expensive or unaffordable.
Through our in-house staff and our Global relationships, we can certainly support your risk control initiatives. Some of the most important services that can be made available to safely manage risks are:
- External audits of safety/loss control programs:
Modern Safety/Loss control audit systems measure and evaluate a significant number of activities that are critical to the control of risk in an organization. These audits can be structured to be performed for risk-specific programs (e.g., auto) or on a companywide program basis.
- Safety / Loss Control Training:
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro can perform training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
- Inspections:
Every organization is usually exposed to circumstances that create harmful loss exposures to both people and property (e.g., wear and tear of critical parts, abuse and misuse of equipment, housekeeping, unsafe activities). Many of these conditions can be undetected if the particular property or activity is not physically inspected by an independent/unbiased entity. Fulcro Insurance’s Risk Control Practice can help your organization identify or discover these loss potentials through a planned inspection program.
Safety & Loss Control Training
Proper skills and management training are also important elements of any management system designed to avoid accidents, poor quality, and general waste. Fulcro Insurance can perform a training needs evaluation for any function that has a history, or potential for, major loss. Our Risk Control Specialists can then design special training programs to satisfy your particular safety/loss control needs.
Contractual Risk Transfers
Contractual Risk Transfers are cost-effective mechanisms to manage risk and can be offensive or defensive. An insured may seek to transfer risks that are better prepared to manage or that can be more cost-effectively retained or transferred via insurance.
An example is utilizing a wrap-up in a construction project. Alternatively, you may seek to transfer liability to suppliers, while seeking to avoid unintended acceptance of contractual liabilities.
We can assist you in assessing your contractual risk transfer strategy and support your organization’s efforts to monitor and ensure each party’s compliance with the agreed contractual risk allocation clauses.
Our Proprietary Contractual Risk Transfer Information System was specifically designed to provide 24-7 worldwide access required to effectively manage the exposures of clients with considerable offensive and defensive risk transfer activities.
Insurance Program Design & Placement of Commercial Lines
The insurance program design and placement activities of the Commercial Risks Practice are conducted by some of the most experienced professionals in insurance today, utilizing a structured process designed to guide and support the client’s strategic decision-making process regarding important considerations of your insurance program, including: cost, retention, insurer solvency, coverage terms and conditions, and claims services.
Professional Liability
Provides protection for professionals if there are errors or omissions in services rendered. Essentially, it helps cover claims of negligence, misrepresentations, and inaccurate advice. Anyone offering professional services and/or advice to their customers should have this insurance.
Contact one of our specialists:
Gisela Ocasio
Senior Vice President
Personal Lines
Fulcro has a dedicated Private Client Practice that designs and places tailored insurance programs to protect the assets and exposures of individuals and their families.
Some of our services provided to Private Clients include:
Property & Casualty
Property & Casualty
Fulcro Insurance’s Property and Casualty operations are conducted through five major Risk Practices: Commercial Risks, Global, Construction, Government, and Personal Risks.
The teams operating each of these Practices are made up of insurance specialists with the knowledge, and professional experience to help you effectively manage loss exposures and design a tailored insurance program to protect you and your assets.
Life Insurance
Life insurance is a unique asset that can help solve some of life’s unexpected financial situations should you or a loved one pass away. These situations vary from paying off debt, paying owed taxes, or replacing income for your family’s needs once you are gone.
Risk Assessment & Annual Check-up
At Fulcro, a multidisciplinary team is appointed to conduct an integrated evaluation of exposures and risk assessment, a unique approach in an insurance marketplace where the usual practice is to only assess risk through the revision of existing insurance policies.
The goal of an annual risk assessment process is to manage risk exposures across all people and departments so that they encounter the right kinds of risks and manage them well so that they can pursue their strategic goals and a return on their investment.
Insurance Program Design & Placement of Personal Lines
Our dedicated Private Lines specialists design and place insurance programs to protect the assets and exposures of individuals and their families.
Some of the policies our Private Clients Practice can assist you with are:
- Personal Umbrella Policies
- Personal Auto & Yacht
- Jewelry & Fine Arts
- Homeowner & Dwellings
- Flood Insurance
- Risk Assessment & Annual Checkup (make a post about this offering; ie. Have you had your annual checkup?)
- Assistance in obtaining surveys and appraisals for your properties.
- Coordinates coverages with requirements from the bank and other financial institutions.
- Performs thorough marketing and placement of private insurance programs.
Surveys & Appraisals
Our personal lines insurance specialists are here to help you obtain and/or conduct surveys and appraisals for properties and assets, such as:
- Dwellings
- Yachts & Automobiles
- Jewelry
- Fine Arts
Coverage Requirements with Banks & Other Financial Institutions
Our insurance specialists are here to help coordinate coverages with bank requirements and other financial institutions.
Personal Retirement Plans
Our Benefits Practice helps private clients create tailored retirement plans to best address their personal needs so that you and your loved ones are taken care of.
One of these options is an IRA: an individual retirement account (IRA) allows you to save money for retirement in a tax-advantaged way. An IRA is an account set up at a financial institution that allows an individual to save for retirement with tax-free growth or on a tax-deferred basis.
Life Insurance
Property & Casualty
Fulcro Insurance’s Property and Casualty operations are conducted through five major Risk Practices: Commercial Risks, Global, Construction, Government, and Personal Risks.
The teams operating each of these Practices are made up of insurance specialists with the knowledge, and professional experience to help you effectively manage loss exposures and design a tailored insurance program to protect you and your assets.
Life Insurance
Life insurance is a unique asset that can help solve some of life’s unexpected financial situations should you or a loved one pass away. These situations vary from paying off debt, paying owed taxes, or replacing income for your family’s needs once you are gone.
Risk Assessment & Annual Check-up
At Fulcro, a multidisciplinary team is appointed to conduct an integrated evaluation of exposures and risk assessment, a unique approach in an insurance marketplace where the usual practice is to only assess risk through the revision of existing insurance policies.
The goal of an annual risk assessment process is to manage risk exposures across all people and departments so that they encounter the right kinds of risks and manage them well so that they can pursue their strategic goals and a return on their investment.
Insurance Program Design & Placement of Personal Lines
Our dedicated Private Lines specialists design and place insurance programs to protect the assets and exposures of individuals and their families.
Some of the policies our Private Clients Practice can assist you with are:
- Personal Umbrella Policies
- Personal Auto & Yacht
- Jewelry & Fine Arts
- Homeowner & Dwellings
- Flood Insurance
- Risk Assessment & Annual Checkup (make a post about this offering; ie. Have you had your annual checkup?)
- Assistance in obtaining surveys and appraisals for your properties.
- Coordinates coverages with requirements from the bank and other financial institutions.
- Performs thorough marketing and placement of private insurance programs.
Surveys & Appraisals
Our personal lines insurance specialists are here to help you obtain and/or conduct surveys and appraisals for properties and assets, such as:
- Dwellings
- Yachts & Automobiles
- Jewelry
- Fine Arts
Coverage Requirements with Banks & Other Financial Institutions
Our insurance specialists are here to help coordinate coverages with bank requirements and other financial institutions.
Personal Retirement Plans
Our Benefits Practice helps private clients create tailored retirement plans to best address their personal needs so that you and your loved ones are taken care of.
One of these options is an IRA: an individual retirement account (IRA) allows you to save money for retirement in a tax-advantaged way. An IRA is an account set up at a financial institution that allows an individual to save for retirement with tax-free growth or on a tax-deferred basis.
Risk Assessment & Annual Check-up
Property & Casualty
Fulcro Insurance’s Property and Casualty operations are conducted through five major Risk Practices: Commercial Risks, Global, Construction, Government, and Personal Risks.
The teams operating each of these Practices are made up of insurance specialists with the knowledge, and professional experience to help you effectively manage loss exposures and design a tailored insurance program to protect you and your assets.
Life Insurance
Life insurance is a unique asset that can help solve some of life’s unexpected financial situations should you or a loved one pass away. These situations vary from paying off debt, paying owed taxes, or replacing income for your family’s needs once you are gone.
Risk Assessment & Annual Check-up
At Fulcro, a multidisciplinary team is appointed to conduct an integrated evaluation of exposures and risk assessment, a unique approach in an insurance marketplace where the usual practice is to only assess risk through the revision of existing insurance policies.
The goal of an annual risk assessment process is to manage risk exposures across all people and departments so that they encounter the right kinds of risks and manage them well so that they can pursue their strategic goals and a return on their investment.
Insurance Program Design & Placement of Personal Lines
Our dedicated Private Lines specialists design and place insurance programs to protect the assets and exposures of individuals and their families.
Some of the policies our Private Clients Practice can assist you with are:
- Personal Umbrella Policies
- Personal Auto & Yacht
- Jewelry & Fine Arts
- Homeowner & Dwellings
- Flood Insurance
- Risk Assessment & Annual Checkup (make a post about this offering; ie. Have you had your annual checkup?)
- Assistance in obtaining surveys and appraisals for your properties.
- Coordinates coverages with requirements from the bank and other financial institutions.
- Performs thorough marketing and placement of private insurance programs.
Surveys & Appraisals
Our personal lines insurance specialists are here to help you obtain and/or conduct surveys and appraisals for properties and assets, such as:
- Dwellings
- Yachts & Automobiles
- Jewelry
- Fine Arts
Coverage Requirements with Banks & Other Financial Institutions
Our insurance specialists are here to help coordinate coverages with bank requirements and other financial institutions.
Personal Retirement Plans
Our Benefits Practice helps private clients create tailored retirement plans to best address their personal needs so that you and your loved ones are taken care of.
One of these options is an IRA: an individual retirement account (IRA) allows you to save money for retirement in a tax-advantaged way. An IRA is an account set up at a financial institution that allows an individual to save for retirement with tax-free growth or on a tax-deferred basis.
Insurance Program Design & Placement of Personal Lines
Property & Casualty
Fulcro Insurance’s Property and Casualty operations are conducted through five major Risk Practices: Commercial Risks, Global, Construction, Government, and Personal Risks.
The teams operating each of these Practices are made up of insurance specialists with the knowledge, and professional experience to help you effectively manage loss exposures and design a tailored insurance program to protect you and your assets.
Life Insurance
Life insurance is a unique asset that can help solve some of life’s unexpected financial situations should you or a loved one pass away. These situations vary from paying off debt, paying owed taxes, or replacing income for your family’s needs once you are gone.
Risk Assessment & Annual Check-up
At Fulcro, a multidisciplinary team is appointed to conduct an integrated evaluation of exposures and risk assessment, a unique approach in an insurance marketplace where the usual practice is to only assess risk through the revision of existing insurance policies.
The goal of an annual risk assessment process is to manage risk exposures across all people and departments so that they encounter the right kinds of risks and manage them well so that they can pursue their strategic goals and a return on their investment.
Insurance Program Design & Placement of Personal Lines
Our dedicated Private Lines specialists design and place insurance programs to protect the assets and exposures of individuals and their families.
Some of the policies our Private Clients Practice can assist you with are:
- Personal Umbrella Policies
- Personal Auto & Yacht
- Jewelry & Fine Arts
- Homeowner & Dwellings
- Flood Insurance
- Risk Assessment & Annual Checkup (make a post about this offering; ie. Have you had your annual checkup?)
- Assistance in obtaining surveys and appraisals for your properties.
- Coordinates coverages with requirements from the bank and other financial institutions.
- Performs thorough marketing and placement of private insurance programs.
Surveys & Appraisals
Our personal lines insurance specialists are here to help you obtain and/or conduct surveys and appraisals for properties and assets, such as:
- Dwellings
- Yachts & Automobiles
- Jewelry
- Fine Arts
Coverage Requirements with Banks & Other Financial Institutions
Our insurance specialists are here to help coordinate coverages with bank requirements and other financial institutions.
Personal Retirement Plans
Our Benefits Practice helps private clients create tailored retirement plans to best address their personal needs so that you and your loved ones are taken care of.
One of these options is an IRA: an individual retirement account (IRA) allows you to save money for retirement in a tax-advantaged way. An IRA is an account set up at a financial institution that allows an individual to save for retirement with tax-free growth or on a tax-deferred basis.
Surveys & Appraisals
Property & Casualty
Fulcro Insurance’s Property and Casualty operations are conducted through five major Risk Practices: Commercial Risks, Global, Construction, Government, and Personal Risks.
The teams operating each of these Practices are made up of insurance specialists with the knowledge, and professional experience to help you effectively manage loss exposures and design a tailored insurance program to protect you and your assets.
Life Insurance
Life insurance is a unique asset that can help solve some of life’s unexpected financial situations should you or a loved one pass away. These situations vary from paying off debt, paying owed taxes, or replacing income for your family’s needs once you are gone.
Risk Assessment & Annual Check-up
At Fulcro, a multidisciplinary team is appointed to conduct an integrated evaluation of exposures and risk assessment, a unique approach in an insurance marketplace where the usual practice is to only assess risk through the revision of existing insurance policies.
The goal of an annual risk assessment process is to manage risk exposures across all people and departments so that they encounter the right kinds of risks and manage them well so that they can pursue their strategic goals and a return on their investment.
Insurance Program Design & Placement of Personal Lines
Our dedicated Private Lines specialists design and place insurance programs to protect the assets and exposures of individuals and their families.
Some of the policies our Private Clients Practice can assist you with are:
- Personal Umbrella Policies
- Personal Auto & Yacht
- Jewelry & Fine Arts
- Homeowner & Dwellings
- Flood Insurance
- Risk Assessment & Annual Checkup (make a post about this offering; ie. Have you had your annual checkup?)
- Assistance in obtaining surveys and appraisals for your properties.
- Coordinates coverages with requirements from the bank and other financial institutions.
- Performs thorough marketing and placement of private insurance programs.
Surveys & Appraisals
Our personal lines insurance specialists are here to help you obtain and/or conduct surveys and appraisals for properties and assets, such as:
- Dwellings
- Yachts & Automobiles
- Jewelry
- Fine Arts
Coverage Requirements with Banks & Other Financial Institutions
Our insurance specialists are here to help coordinate coverages with bank requirements and other financial institutions.
Personal Retirement Plans
Our Benefits Practice helps private clients create tailored retirement plans to best address their personal needs so that you and your loved ones are taken care of.
One of these options is an IRA: an individual retirement account (IRA) allows you to save money for retirement in a tax-advantaged way. An IRA is an account set up at a financial institution that allows an individual to save for retirement with tax-free growth or on a tax-deferred basis.
Coverage Requirements with Banks & Other Financial Institutions
Property & Casualty
Fulcro Insurance’s Property and Casualty operations are conducted through five major Risk Practices: Commercial Risks, Global, Construction, Government, and Personal Risks.
The teams operating each of these Practices are made up of insurance specialists with the knowledge, and professional experience to help you effectively manage loss exposures and design a tailored insurance program to protect you and your assets.
Life Insurance
Life insurance is a unique asset that can help solve some of life’s unexpected financial situations should you or a loved one pass away. These situations vary from paying off debt, paying owed taxes, or replacing income for your family’s needs once you are gone.
Risk Assessment & Annual Check-up
At Fulcro, a multidisciplinary team is appointed to conduct an integrated evaluation of exposures and risk assessment, a unique approach in an insurance marketplace where the usual practice is to only assess risk through the revision of existing insurance policies.
The goal of an annual risk assessment process is to manage risk exposures across all people and departments so that they encounter the right kinds of risks and manage them well so that they can pursue their strategic goals and a return on their investment.
Insurance Program Design & Placement of Personal Lines
Our dedicated Private Lines specialists design and place insurance programs to protect the assets and exposures of individuals and their families.
Some of the policies our Private Clients Practice can assist you with are:
- Personal Umbrella Policies
- Personal Auto & Yacht
- Jewelry & Fine Arts
- Homeowner & Dwellings
- Flood Insurance
- Risk Assessment & Annual Checkup (make a post about this offering; ie. Have you had your annual checkup?)
- Assistance in obtaining surveys and appraisals for your properties.
- Coordinates coverages with requirements from the bank and other financial institutions.
- Performs thorough marketing and placement of private insurance programs.
Surveys & Appraisals
Our personal lines insurance specialists are here to help you obtain and/or conduct surveys and appraisals for properties and assets, such as:
- Dwellings
- Yachts & Automobiles
- Jewelry
- Fine Arts
Coverage Requirements with Banks & Other Financial Institutions
Our insurance specialists are here to help coordinate coverages with bank requirements and other financial institutions.
Personal Retirement Plans
Our Benefits Practice helps private clients create tailored retirement plans to best address their personal needs so that you and your loved ones are taken care of.
One of these options is an IRA: an individual retirement account (IRA) allows you to save money for retirement in a tax-advantaged way. An IRA is an account set up at a financial institution that allows an individual to save for retirement with tax-free growth or on a tax-deferred basis.
Personal Retirement Plans
Property & Casualty
Fulcro Insurance’s Property and Casualty operations are conducted through five major Risk Practices: Commercial Risks, Global, Construction, Government, and Personal Risks.
The teams operating each of these Practices are made up of insurance specialists with the knowledge, and professional experience to help you effectively manage loss exposures and design a tailored insurance program to protect you and your assets.
Life Insurance
Life insurance is a unique asset that can help solve some of life’s unexpected financial situations should you or a loved one pass away. These situations vary from paying off debt, paying owed taxes, or replacing income for your family’s needs once you are gone.
Risk Assessment & Annual Check-up
At Fulcro, a multidisciplinary team is appointed to conduct an integrated evaluation of exposures and risk assessment, a unique approach in an insurance marketplace where the usual practice is to only assess risk through the revision of existing insurance policies.
The goal of an annual risk assessment process is to manage risk exposures across all people and departments so that they encounter the right kinds of risks and manage them well so that they can pursue their strategic goals and a return on their investment.
Insurance Program Design & Placement of Personal Lines
Our dedicated Private Lines specialists design and place insurance programs to protect the assets and exposures of individuals and their families.
Some of the policies our Private Clients Practice can assist you with are:
- Personal Umbrella Policies
- Personal Auto & Yacht
- Jewelry & Fine Arts
- Homeowner & Dwellings
- Flood Insurance
- Risk Assessment & Annual Checkup (make a post about this offering; ie. Have you had your annual checkup?)
- Assistance in obtaining surveys and appraisals for your properties.
- Coordinates coverages with requirements from the bank and other financial institutions.
- Performs thorough marketing and placement of private insurance programs.
Surveys & Appraisals
Our personal lines insurance specialists are here to help you obtain and/or conduct surveys and appraisals for properties and assets, such as:
- Dwellings
- Yachts & Automobiles
- Jewelry
- Fine Arts
Coverage Requirements with Banks & Other Financial Institutions
Our insurance specialists are here to help coordinate coverages with bank requirements and other financial institutions.
Personal Retirement Plans
Our Benefits Practice helps private clients create tailored retirement plans to best address their personal needs so that you and your loved ones are taken care of.
One of these options is an IRA: an individual retirement account (IRA) allows you to save money for retirement in a tax-advantaged way. An IRA is an account set up at a financial institution that allows an individual to save for retirement with tax-free growth or on a tax-deferred basis.
Contact one of our specialists:
Arelis Díaz
Leader of the Private Client Practice
PEOPLE
Fulcro is one of the few insurance brokers that offer integrated solutions to the complex administrative challenges that our clients and their Human Resources team face.
Our People Practice provides a comprehensive package of services in areas such as:
Statutory Compliance Reviews
Statutory Compliance Reviews
In the legal and Statutory Compliance area, Fulcro Insurance can review all benefit plans to ensure that state and federal requirements are met. An audit can be conducted addressing each compliance issue to make sure penalties are avoided.
Are your Employee Benefits Programs in compliance with the following regulations?
- ERISA: Employee Retirement Income Security Act of 1974 – Form 5500, SPD – Summary Plan Description and SAR – Summary Annual Report.
- HIPAA: Health Insurance Portability and Accountability Act of 1996
- EEOC: Equal Employment Opportunity Commission
- ADEA: Age Discrimination in Employment Act of 1967
- MEDICARE MODERNIZATION ACT
- MEDICARE SECONDARY PAYER
- COBRA: Consolidated Omnibus Reconciliation Act of 1985
- ACA: Affordable Care Act – SBC / Summary of Benefits and Coverage; MLR / Medical Loss Ratio Rebates; PCORI / Patient-Centered Outcomes Research Institute Fee; 90 days waiting period limitation.
- ADA: Americans with Disabilities Act
- GINA: Genetic Information Nondiscrimination Act of 2008
Audits of Plan Administration Procedures
The evaluation of the employee benefits program’s administrative procedure is another critical and valuable service provided to the clients of our Employee Benefits Practice.
From eligibility to the coordination of benefits, program terminations, utilization services, and cost containment, we review all applicable procedures to ensure they are in compliance with applicable statutory regulations and the terms and conditions of the specific benefit plan.
Employee Communication Programs
Benefit Statements are one of several useful communication tools used by the HR Manager to promote the value of the benefit program. Fulcro Insurance’s “Descubre Tu Cheque Escondido” complimentary statement, is frequently used by our clients to communicate this important source of additional compensation.
Placement & Administration
Voluntary Programs
Fulcro Insurance, Inc. has been an innovator in the design and administration of voluntary employee benefit programs. Through the integration of cafeteria plan structures and client-driven indemnity provisions, we have designed and implemented successful voluntary programs that are truly flexible, and easy to understand and administer.
Some of the programs we have worked with are:
- Cancer
- ADD
- Hospital Indemnity
- Supplemental Life
Employee Benefits Program Design, Placement & Administration
Fulcro’s Employee Benefits specialists excel in designing comprehensive and cost-effective health and welfare programs for your employees. We specialize in placing insurance marketplace employee benefits programs for organizations with diverse and complex human resources profiles.
Some of the benefits we can help you with are:
- Life and Disability Insurance
- Buy and Sell Agreements
- Key Person Insurance
- Retirement Plans 401(K) or 1165 (E)
- Deferred Compensation
- IRA (Individual Retirement Account)
- Annuities
Contact our specialists to design the perfect Employee Benefits program tailored to the needs of your workforce.
* “Pay As You Go” Worker’s Compensation is also available to our U.S. clients.
Feasibility Studies of Funding Alternatives
Our Benefits specialists are very familiar with structuring special financial arrangements that give our clients cash flow benefits while preserving traditional insurance guarantees.
From Minimum Premium to ASO Programs, we can prepare a feasibility study to identify an optimum plan for your organization.
Health & Wellness Programs
Poor health habits such as bad nutrition, stress, tobacco, alcohol, and lack of exercise, among other factors, are major contributors to health-related issues. This affects and impacts the utilization of health insurance programs resulting in additional costs to all payers.
We provide you with the tools to help your employees stay healthy and active, taking advantage of the different wellness activities and initiatives that are available through our different resources.
We coordinate wellness activities so you can offer these to your employees, for example, blood pressure & vaccine clinics, nutrition and exercise orientation, stress management, smoke cessation programs, and health plan benefit orientations.
Employers can benefit from having healthier employees by:
- Improved productivity
- Reduced absenteeism
- Reduced use of health benefits
- Improved employee morale
- Increased employee loyalty
HR Consulting Services
Operational and benefits expenses continue to climb dramatically and companies are looking for additional ways to cut costs. Outsourcing is that alternative. Business executives think more analytical and strategically, which requires that they refocus their efforts away from administration and transactional processes.
Our Human Resources Consultants can provide support and technical knowledge allowing you to focus on your business’s core competencies and other strategic initiatives.
Our services include:
- HR Assessment & Audit
- Support your Human Resources Structure
- Staffing Strategy
- Compliance with Local and Federal Regulations
- Policies procedures and employee manual development
- Labor case management
- Organizational Development
- Benefits & Compensation Programs
- Affirmative Action Plan (EEO)
Audits of Plan Administration Procedures
Statutory Compliance Reviews
In the legal and Statutory Compliance area, Fulcro Insurance can review all benefit plans to ensure that state and federal requirements are met. An audit can be conducted addressing each compliance issue to make sure penalties are avoided.
Are your Employee Benefits Programs in compliance with the following regulations?
- ERISA: Employee Retirement Income Security Act of 1974 – Form 5500, SPD – Summary Plan Description and SAR – Summary Annual Report.
- HIPAA: Health Insurance Portability and Accountability Act of 1996
- EEOC: Equal Employment Opportunity Commission
- ADEA: Age Discrimination in Employment Act of 1967
- MEDICARE MODERNIZATION ACT
- MEDICARE SECONDARY PAYER
- COBRA: Consolidated Omnibus Reconciliation Act of 1985
- ACA: Affordable Care Act – SBC / Summary of Benefits and Coverage; MLR / Medical Loss Ratio Rebates; PCORI / Patient-Centered Outcomes Research Institute Fee; 90 days waiting period limitation.
- ADA: Americans with Disabilities Act
- GINA: Genetic Information Nondiscrimination Act of 2008
Audits of Plan Administration Procedures
The evaluation of the employee benefits program’s administrative procedure is another critical and valuable service provided to the clients of our Employee Benefits Practice.
From eligibility to the coordination of benefits, program terminations, utilization services, and cost containment, we review all applicable procedures to ensure they are in compliance with applicable statutory regulations and the terms and conditions of the specific benefit plan.
Employee Communication Programs
Benefit Statements are one of several useful communication tools used by the HR Manager to promote the value of the benefit program. Fulcro Insurance’s “Descubre Tu Cheque Escondido” complimentary statement, is frequently used by our clients to communicate this important source of additional compensation.
Placement & Administration
Voluntary Programs
Fulcro Insurance, Inc. has been an innovator in the design and administration of voluntary employee benefit programs. Through the integration of cafeteria plan structures and client-driven indemnity provisions, we have designed and implemented successful voluntary programs that are truly flexible, and easy to understand and administer.
Some of the programs we have worked with are:
- Cancer
- ADD
- Hospital Indemnity
- Supplemental Life
Employee Benefits Program Design, Placement & Administration
Fulcro’s Employee Benefits specialists excel in designing comprehensive and cost-effective health and welfare programs for your employees. We specialize in placing insurance marketplace employee benefits programs for organizations with diverse and complex human resources profiles.
Some of the benefits we can help you with are:
- Life and Disability Insurance
- Buy and Sell Agreements
- Key Person Insurance
- Retirement Plans 401(K) or 1165 (E)
- Deferred Compensation
- IRA (Individual Retirement Account)
- Annuities
Contact our specialists to design the perfect Employee Benefits program tailored to the needs of your workforce.
* “Pay As You Go” Worker’s Compensation is also available to our U.S. clients.
Feasibility Studies of Funding Alternatives
Our Benefits specialists are very familiar with structuring special financial arrangements that give our clients cash flow benefits while preserving traditional insurance guarantees.
From Minimum Premium to ASO Programs, we can prepare a feasibility study to identify an optimum plan for your organization.
Health & Wellness Programs
Poor health habits such as bad nutrition, stress, tobacco, alcohol, and lack of exercise, among other factors, are major contributors to health-related issues. This affects and impacts the utilization of health insurance programs resulting in additional costs to all payers.
We provide you with the tools to help your employees stay healthy and active, taking advantage of the different wellness activities and initiatives that are available through our different resources.
We coordinate wellness activities so you can offer these to your employees, for example, blood pressure & vaccine clinics, nutrition and exercise orientation, stress management, smoke cessation programs, and health plan benefit orientations.
Employers can benefit from having healthier employees by:
- Improved productivity
- Reduced absenteeism
- Reduced use of health benefits
- Improved employee morale
- Increased employee loyalty
HR Consulting Services
Operational and benefits expenses continue to climb dramatically and companies are looking for additional ways to cut costs. Outsourcing is that alternative. Business executives think more analytical and strategically, which requires that they refocus their efforts away from administration and transactional processes.
Our Human Resources Consultants can provide support and technical knowledge allowing you to focus on your business’s core competencies and other strategic initiatives.
Our services include:
- HR Assessment & Audit
- Support your Human Resources Structure
- Staffing Strategy
- Compliance with Local and Federal Regulations
- Policies procedures and employee manual development
- Labor case management
- Organizational Development
- Benefits & Compensation Programs
- Affirmative Action Plan (EEO)
Employee Communication Programs
Statutory Compliance Reviews
In the legal and Statutory Compliance area, Fulcro Insurance can review all benefit plans to ensure that state and federal requirements are met. An audit can be conducted addressing each compliance issue to make sure penalties are avoided.
Are your Employee Benefits Programs in compliance with the following regulations?
- ERISA: Employee Retirement Income Security Act of 1974 – Form 5500, SPD – Summary Plan Description and SAR – Summary Annual Report.
- HIPAA: Health Insurance Portability and Accountability Act of 1996
- EEOC: Equal Employment Opportunity Commission
- ADEA: Age Discrimination in Employment Act of 1967
- MEDICARE MODERNIZATION ACT
- MEDICARE SECONDARY PAYER
- COBRA: Consolidated Omnibus Reconciliation Act of 1985
- ACA: Affordable Care Act – SBC / Summary of Benefits and Coverage; MLR / Medical Loss Ratio Rebates; PCORI / Patient-Centered Outcomes Research Institute Fee; 90 days waiting period limitation.
- ADA: Americans with Disabilities Act
- GINA: Genetic Information Nondiscrimination Act of 2008
Audits of Plan Administration Procedures
The evaluation of the employee benefits program’s administrative procedure is another critical and valuable service provided to the clients of our Employee Benefits Practice.
From eligibility to the coordination of benefits, program terminations, utilization services, and cost containment, we review all applicable procedures to ensure they are in compliance with applicable statutory regulations and the terms and conditions of the specific benefit plan.
Employee Communication Programs
Benefit Statements are one of several useful communication tools used by the HR Manager to promote the value of the benefit program. Fulcro Insurance’s “Descubre Tu Cheque Escondido” complimentary statement, is frequently used by our clients to communicate this important source of additional compensation.
Placement & Administration
Voluntary Programs
Fulcro Insurance, Inc. has been an innovator in the design and administration of voluntary employee benefit programs. Through the integration of cafeteria plan structures and client-driven indemnity provisions, we have designed and implemented successful voluntary programs that are truly flexible, and easy to understand and administer.
Some of the programs we have worked with are:
- Cancer
- ADD
- Hospital Indemnity
- Supplemental Life
Employee Benefits Program Design, Placement & Administration
Fulcro’s Employee Benefits specialists excel in designing comprehensive and cost-effective health and welfare programs for your employees. We specialize in placing insurance marketplace employee benefits programs for organizations with diverse and complex human resources profiles.
Some of the benefits we can help you with are:
- Life and Disability Insurance
- Buy and Sell Agreements
- Key Person Insurance
- Retirement Plans 401(K) or 1165 (E)
- Deferred Compensation
- IRA (Individual Retirement Account)
- Annuities
Contact our specialists to design the perfect Employee Benefits program tailored to the needs of your workforce.
* “Pay As You Go” Worker’s Compensation is also available to our U.S. clients.
Feasibility Studies of Funding Alternatives
Our Benefits specialists are very familiar with structuring special financial arrangements that give our clients cash flow benefits while preserving traditional insurance guarantees.
From Minimum Premium to ASO Programs, we can prepare a feasibility study to identify an optimum plan for your organization.
Health & Wellness Programs
Poor health habits such as bad nutrition, stress, tobacco, alcohol, and lack of exercise, among other factors, are major contributors to health-related issues. This affects and impacts the utilization of health insurance programs resulting in additional costs to all payers.
We provide you with the tools to help your employees stay healthy and active, taking advantage of the different wellness activities and initiatives that are available through our different resources.
We coordinate wellness activities so you can offer these to your employees, for example, blood pressure & vaccine clinics, nutrition and exercise orientation, stress management, smoke cessation programs, and health plan benefit orientations.
Employers can benefit from having healthier employees by:
- Improved productivity
- Reduced absenteeism
- Reduced use of health benefits
- Improved employee morale
- Increased employee loyalty
HR Consulting Services
Operational and benefits expenses continue to climb dramatically and companies are looking for additional ways to cut costs. Outsourcing is that alternative. Business executives think more analytical and strategically, which requires that they refocus their efforts away from administration and transactional processes.
Our Human Resources Consultants can provide support and technical knowledge allowing you to focus on your business’s core competencies and other strategic initiatives.
Our services include:
- HR Assessment & Audit
- Support your Human Resources Structure
- Staffing Strategy
- Compliance with Local and Federal Regulations
- Policies procedures and employee manual development
- Labor case management
- Organizational Development
- Benefits & Compensation Programs
- Affirmative Action Plan (EEO)
Placement & Administration
Statutory Compliance Reviews
In the legal and Statutory Compliance area, Fulcro Insurance can review all benefit plans to ensure that state and federal requirements are met. An audit can be conducted addressing each compliance issue to make sure penalties are avoided.
Are your Employee Benefits Programs in compliance with the following regulations?
- ERISA: Employee Retirement Income Security Act of 1974 – Form 5500, SPD – Summary Plan Description and SAR – Summary Annual Report.
- HIPAA: Health Insurance Portability and Accountability Act of 1996
- EEOC: Equal Employment Opportunity Commission
- ADEA: Age Discrimination in Employment Act of 1967
- MEDICARE MODERNIZATION ACT
- MEDICARE SECONDARY PAYER
- COBRA: Consolidated Omnibus Reconciliation Act of 1985
- ACA: Affordable Care Act – SBC / Summary of Benefits and Coverage; MLR / Medical Loss Ratio Rebates; PCORI / Patient-Centered Outcomes Research Institute Fee; 90 days waiting period limitation.
- ADA: Americans with Disabilities Act
- GINA: Genetic Information Nondiscrimination Act of 2008
Audits of Plan Administration Procedures
The evaluation of the employee benefits program’s administrative procedure is another critical and valuable service provided to the clients of our Employee Benefits Practice.
From eligibility to the coordination of benefits, program terminations, utilization services, and cost containment, we review all applicable procedures to ensure they are in compliance with applicable statutory regulations and the terms and conditions of the specific benefit plan.
Employee Communication Programs
Benefit Statements are one of several useful communication tools used by the HR Manager to promote the value of the benefit program. Fulcro Insurance’s “Descubre Tu Cheque Escondido” complimentary statement, is frequently used by our clients to communicate this important source of additional compensation.
Placement & Administration
Voluntary Programs
Fulcro Insurance, Inc. has been an innovator in the design and administration of voluntary employee benefit programs. Through the integration of cafeteria plan structures and client-driven indemnity provisions, we have designed and implemented successful voluntary programs that are truly flexible, and easy to understand and administer.
Some of the programs we have worked with are:
- Cancer
- ADD
- Hospital Indemnity
- Supplemental Life
Employee Benefits Program Design, Placement & Administration
Fulcro’s Employee Benefits specialists excel in designing comprehensive and cost-effective health and welfare programs for your employees. We specialize in placing insurance marketplace employee benefits programs for organizations with diverse and complex human resources profiles.
Some of the benefits we can help you with are:
- Life and Disability Insurance
- Buy and Sell Agreements
- Key Person Insurance
- Retirement Plans 401(K) or 1165 (E)
- Deferred Compensation
- IRA (Individual Retirement Account)
- Annuities
Contact our specialists to design the perfect Employee Benefits program tailored to the needs of your workforce.
* “Pay As You Go” Worker’s Compensation is also available to our U.S. clients.
Feasibility Studies of Funding Alternatives
Our Benefits specialists are very familiar with structuring special financial arrangements that give our clients cash flow benefits while preserving traditional insurance guarantees.
From Minimum Premium to ASO Programs, we can prepare a feasibility study to identify an optimum plan for your organization.
Health & Wellness Programs
Poor health habits such as bad nutrition, stress, tobacco, alcohol, and lack of exercise, among other factors, are major contributors to health-related issues. This affects and impacts the utilization of health insurance programs resulting in additional costs to all payers.
We provide you with the tools to help your employees stay healthy and active, taking advantage of the different wellness activities and initiatives that are available through our different resources.
We coordinate wellness activities so you can offer these to your employees, for example, blood pressure & vaccine clinics, nutrition and exercise orientation, stress management, smoke cessation programs, and health plan benefit orientations.
Employers can benefit from having healthier employees by:
- Improved productivity
- Reduced absenteeism
- Reduced use of health benefits
- Improved employee morale
- Increased employee loyalty
HR Consulting Services
Operational and benefits expenses continue to climb dramatically and companies are looking for additional ways to cut costs. Outsourcing is that alternative. Business executives think more analytical and strategically, which requires that they refocus their efforts away from administration and transactional processes.
Our Human Resources Consultants can provide support and technical knowledge allowing you to focus on your business’s core competencies and other strategic initiatives.
Our services include:
- HR Assessment & Audit
- Support your Human Resources Structure
- Staffing Strategy
- Compliance with Local and Federal Regulations
- Policies procedures and employee manual development
- Labor case management
- Organizational Development
- Benefits & Compensation Programs
- Affirmative Action Plan (EEO)
Voluntary Programs
Statutory Compliance Reviews
In the legal and Statutory Compliance area, Fulcro Insurance can review all benefit plans to ensure that state and federal requirements are met. An audit can be conducted addressing each compliance issue to make sure penalties are avoided.
Are your Employee Benefits Programs in compliance with the following regulations?
- ERISA: Employee Retirement Income Security Act of 1974 – Form 5500, SPD – Summary Plan Description and SAR – Summary Annual Report.
- HIPAA: Health Insurance Portability and Accountability Act of 1996
- EEOC: Equal Employment Opportunity Commission
- ADEA: Age Discrimination in Employment Act of 1967
- MEDICARE MODERNIZATION ACT
- MEDICARE SECONDARY PAYER
- COBRA: Consolidated Omnibus Reconciliation Act of 1985
- ACA: Affordable Care Act – SBC / Summary of Benefits and Coverage; MLR / Medical Loss Ratio Rebates; PCORI / Patient-Centered Outcomes Research Institute Fee; 90 days waiting period limitation.
- ADA: Americans with Disabilities Act
- GINA: Genetic Information Nondiscrimination Act of 2008
Audits of Plan Administration Procedures
The evaluation of the employee benefits program’s administrative procedure is another critical and valuable service provided to the clients of our Employee Benefits Practice.
From eligibility to the coordination of benefits, program terminations, utilization services, and cost containment, we review all applicable procedures to ensure they are in compliance with applicable statutory regulations and the terms and conditions of the specific benefit plan.
Employee Communication Programs
Benefit Statements are one of several useful communication tools used by the HR Manager to promote the value of the benefit program. Fulcro Insurance’s “Descubre Tu Cheque Escondido” complimentary statement, is frequently used by our clients to communicate this important source of additional compensation.
Placement & Administration
Voluntary Programs
Fulcro Insurance, Inc. has been an innovator in the design and administration of voluntary employee benefit programs. Through the integration of cafeteria plan structures and client-driven indemnity provisions, we have designed and implemented successful voluntary programs that are truly flexible, and easy to understand and administer.
Some of the programs we have worked with are:
- Cancer
- ADD
- Hospital Indemnity
- Supplemental Life
Employee Benefits Program Design, Placement & Administration
Fulcro’s Employee Benefits specialists excel in designing comprehensive and cost-effective health and welfare programs for your employees. We specialize in placing insurance marketplace employee benefits programs for organizations with diverse and complex human resources profiles.
Some of the benefits we can help you with are:
- Life and Disability Insurance
- Buy and Sell Agreements
- Key Person Insurance
- Retirement Plans 401(K) or 1165 (E)
- Deferred Compensation
- IRA (Individual Retirement Account)
- Annuities
Contact our specialists to design the perfect Employee Benefits program tailored to the needs of your workforce.
* “Pay As You Go” Worker’s Compensation is also available to our U.S. clients.
Feasibility Studies of Funding Alternatives
Our Benefits specialists are very familiar with structuring special financial arrangements that give our clients cash flow benefits while preserving traditional insurance guarantees.
From Minimum Premium to ASO Programs, we can prepare a feasibility study to identify an optimum plan for your organization.
Health & Wellness Programs
Poor health habits such as bad nutrition, stress, tobacco, alcohol, and lack of exercise, among other factors, are major contributors to health-related issues. This affects and impacts the utilization of health insurance programs resulting in additional costs to all payers.
We provide you with the tools to help your employees stay healthy and active, taking advantage of the different wellness activities and initiatives that are available through our different resources.
We coordinate wellness activities so you can offer these to your employees, for example, blood pressure & vaccine clinics, nutrition and exercise orientation, stress management, smoke cessation programs, and health plan benefit orientations.
Employers can benefit from having healthier employees by:
- Improved productivity
- Reduced absenteeism
- Reduced use of health benefits
- Improved employee morale
- Increased employee loyalty
HR Consulting Services
Operational and benefits expenses continue to climb dramatically and companies are looking for additional ways to cut costs. Outsourcing is that alternative. Business executives think more analytical and strategically, which requires that they refocus their efforts away from administration and transactional processes.
Our Human Resources Consultants can provide support and technical knowledge allowing you to focus on your business’s core competencies and other strategic initiatives.
Our services include:
- HR Assessment & Audit
- Support your Human Resources Structure
- Staffing Strategy
- Compliance with Local and Federal Regulations
- Policies procedures and employee manual development
- Labor case management
- Organizational Development
- Benefits & Compensation Programs
- Affirmative Action Plan (EEO)
Employee Benefits Program Design, Placement & Administration
Statutory Compliance Reviews
In the legal and Statutory Compliance area, Fulcro Insurance can review all benefit plans to ensure that state and federal requirements are met. An audit can be conducted addressing each compliance issue to make sure penalties are avoided.
Are your Employee Benefits Programs in compliance with the following regulations?
- ERISA: Employee Retirement Income Security Act of 1974 – Form 5500, SPD – Summary Plan Description and SAR – Summary Annual Report.
- HIPAA: Health Insurance Portability and Accountability Act of 1996
- EEOC: Equal Employment Opportunity Commission
- ADEA: Age Discrimination in Employment Act of 1967
- MEDICARE MODERNIZATION ACT
- MEDICARE SECONDARY PAYER
- COBRA: Consolidated Omnibus Reconciliation Act of 1985
- ACA: Affordable Care Act – SBC / Summary of Benefits and Coverage; MLR / Medical Loss Ratio Rebates; PCORI / Patient-Centered Outcomes Research Institute Fee; 90 days waiting period limitation.
- ADA: Americans with Disabilities Act
- GINA: Genetic Information Nondiscrimination Act of 2008
Audits of Plan Administration Procedures
The evaluation of the employee benefits program’s administrative procedure is another critical and valuable service provided to the clients of our Employee Benefits Practice.
From eligibility to the coordination of benefits, program terminations, utilization services, and cost containment, we review all applicable procedures to ensure they are in compliance with applicable statutory regulations and the terms and conditions of the specific benefit plan.
Employee Communication Programs
Benefit Statements are one of several useful communication tools used by the HR Manager to promote the value of the benefit program. Fulcro Insurance’s “Descubre Tu Cheque Escondido” complimentary statement, is frequently used by our clients to communicate this important source of additional compensation.
Placement & Administration
Voluntary Programs
Fulcro Insurance, Inc. has been an innovator in the design and administration of voluntary employee benefit programs. Through the integration of cafeteria plan structures and client-driven indemnity provisions, we have designed and implemented successful voluntary programs that are truly flexible, and easy to understand and administer.
Some of the programs we have worked with are:
- Cancer
- ADD
- Hospital Indemnity
- Supplemental Life
Employee Benefits Program Design, Placement & Administration
Fulcro’s Employee Benefits specialists excel in designing comprehensive and cost-effective health and welfare programs for your employees. We specialize in placing insurance marketplace employee benefits programs for organizations with diverse and complex human resources profiles.
Some of the benefits we can help you with are:
- Life and Disability Insurance
- Buy and Sell Agreements
- Key Person Insurance
- Retirement Plans 401(K) or 1165 (E)
- Deferred Compensation
- IRA (Individual Retirement Account)
- Annuities
Contact our specialists to design the perfect Employee Benefits program tailored to the needs of your workforce.
* “Pay As You Go” Worker’s Compensation is also available to our U.S. clients.
Feasibility Studies of Funding Alternatives
Our Benefits specialists are very familiar with structuring special financial arrangements that give our clients cash flow benefits while preserving traditional insurance guarantees.
From Minimum Premium to ASO Programs, we can prepare a feasibility study to identify an optimum plan for your organization.
Health & Wellness Programs
Poor health habits such as bad nutrition, stress, tobacco, alcohol, and lack of exercise, among other factors, are major contributors to health-related issues. This affects and impacts the utilization of health insurance programs resulting in additional costs to all payers.
We provide you with the tools to help your employees stay healthy and active, taking advantage of the different wellness activities and initiatives that are available through our different resources.
We coordinate wellness activities so you can offer these to your employees, for example, blood pressure & vaccine clinics, nutrition and exercise orientation, stress management, smoke cessation programs, and health plan benefit orientations.
Employers can benefit from having healthier employees by:
- Improved productivity
- Reduced absenteeism
- Reduced use of health benefits
- Improved employee morale
- Increased employee loyalty
HR Consulting Services
Operational and benefits expenses continue to climb dramatically and companies are looking for additional ways to cut costs. Outsourcing is that alternative. Business executives think more analytical and strategically, which requires that they refocus their efforts away from administration and transactional processes.
Our Human Resources Consultants can provide support and technical knowledge allowing you to focus on your business’s core competencies and other strategic initiatives.
Our services include:
- HR Assessment & Audit
- Support your Human Resources Structure
- Staffing Strategy
- Compliance with Local and Federal Regulations
- Policies procedures and employee manual development
- Labor case management
- Organizational Development
- Benefits & Compensation Programs
- Affirmative Action Plan (EEO)
Feasibility Studies of Funding Alternatives
Statutory Compliance Reviews
In the legal and Statutory Compliance area, Fulcro Insurance can review all benefit plans to ensure that state and federal requirements are met. An audit can be conducted addressing each compliance issue to make sure penalties are avoided.
Are your Employee Benefits Programs in compliance with the following regulations?
- ERISA: Employee Retirement Income Security Act of 1974 – Form 5500, SPD – Summary Plan Description and SAR – Summary Annual Report.
- HIPAA: Health Insurance Portability and Accountability Act of 1996
- EEOC: Equal Employment Opportunity Commission
- ADEA: Age Discrimination in Employment Act of 1967
- MEDICARE MODERNIZATION ACT
- MEDICARE SECONDARY PAYER
- COBRA: Consolidated Omnibus Reconciliation Act of 1985
- ACA: Affordable Care Act – SBC / Summary of Benefits and Coverage; MLR / Medical Loss Ratio Rebates; PCORI / Patient-Centered Outcomes Research Institute Fee; 90 days waiting period limitation.
- ADA: Americans with Disabilities Act
- GINA: Genetic Information Nondiscrimination Act of 2008
Audits of Plan Administration Procedures
The evaluation of the employee benefits program’s administrative procedure is another critical and valuable service provided to the clients of our Employee Benefits Practice.
From eligibility to the coordination of benefits, program terminations, utilization services, and cost containment, we review all applicable procedures to ensure they are in compliance with applicable statutory regulations and the terms and conditions of the specific benefit plan.
Employee Communication Programs
Benefit Statements are one of several useful communication tools used by the HR Manager to promote the value of the benefit program. Fulcro Insurance’s “Descubre Tu Cheque Escondido” complimentary statement, is frequently used by our clients to communicate this important source of additional compensation.
Placement & Administration
Voluntary Programs
Fulcro Insurance, Inc. has been an innovator in the design and administration of voluntary employee benefit programs. Through the integration of cafeteria plan structures and client-driven indemnity provisions, we have designed and implemented successful voluntary programs that are truly flexible, and easy to understand and administer.
Some of the programs we have worked with are:
- Cancer
- ADD
- Hospital Indemnity
- Supplemental Life
Employee Benefits Program Design, Placement & Administration
Fulcro’s Employee Benefits specialists excel in designing comprehensive and cost-effective health and welfare programs for your employees. We specialize in placing insurance marketplace employee benefits programs for organizations with diverse and complex human resources profiles.
Some of the benefits we can help you with are:
- Life and Disability Insurance
- Buy and Sell Agreements
- Key Person Insurance
- Retirement Plans 401(K) or 1165 (E)
- Deferred Compensation
- IRA (Individual Retirement Account)
- Annuities
Contact our specialists to design the perfect Employee Benefits program tailored to the needs of your workforce.
* “Pay As You Go” Worker’s Compensation is also available to our U.S. clients.
Feasibility Studies of Funding Alternatives
Our Benefits specialists are very familiar with structuring special financial arrangements that give our clients cash flow benefits while preserving traditional insurance guarantees.
From Minimum Premium to ASO Programs, we can prepare a feasibility study to identify an optimum plan for your organization.
Health & Wellness Programs
Poor health habits such as bad nutrition, stress, tobacco, alcohol, and lack of exercise, among other factors, are major contributors to health-related issues. This affects and impacts the utilization of health insurance programs resulting in additional costs to all payers.
We provide you with the tools to help your employees stay healthy and active, taking advantage of the different wellness activities and initiatives that are available through our different resources.
We coordinate wellness activities so you can offer these to your employees, for example, blood pressure & vaccine clinics, nutrition and exercise orientation, stress management, smoke cessation programs, and health plan benefit orientations.
Employers can benefit from having healthier employees by:
- Improved productivity
- Reduced absenteeism
- Reduced use of health benefits
- Improved employee morale
- Increased employee loyalty
HR Consulting Services
Operational and benefits expenses continue to climb dramatically and companies are looking for additional ways to cut costs. Outsourcing is that alternative. Business executives think more analytical and strategically, which requires that they refocus their efforts away from administration and transactional processes.
Our Human Resources Consultants can provide support and technical knowledge allowing you to focus on your business’s core competencies and other strategic initiatives.
Our services include:
- HR Assessment & Audit
- Support your Human Resources Structure
- Staffing Strategy
- Compliance with Local and Federal Regulations
- Policies procedures and employee manual development
- Labor case management
- Organizational Development
- Benefits & Compensation Programs
- Affirmative Action Plan (EEO)
Health & Wellness Programs
Statutory Compliance Reviews
In the legal and Statutory Compliance area, Fulcro Insurance can review all benefit plans to ensure that state and federal requirements are met. An audit can be conducted addressing each compliance issue to make sure penalties are avoided.
Are your Employee Benefits Programs in compliance with the following regulations?
- ERISA: Employee Retirement Income Security Act of 1974 – Form 5500, SPD – Summary Plan Description and SAR – Summary Annual Report.
- HIPAA: Health Insurance Portability and Accountability Act of 1996
- EEOC: Equal Employment Opportunity Commission
- ADEA: Age Discrimination in Employment Act of 1967
- MEDICARE MODERNIZATION ACT
- MEDICARE SECONDARY PAYER
- COBRA: Consolidated Omnibus Reconciliation Act of 1985
- ACA: Affordable Care Act – SBC / Summary of Benefits and Coverage; MLR / Medical Loss Ratio Rebates; PCORI / Patient-Centered Outcomes Research Institute Fee; 90 days waiting period limitation.
- ADA: Americans with Disabilities Act
- GINA: Genetic Information Nondiscrimination Act of 2008
Audits of Plan Administration Procedures
The evaluation of the employee benefits program’s administrative procedure is another critical and valuable service provided to the clients of our Employee Benefits Practice.
From eligibility to the coordination of benefits, program terminations, utilization services, and cost containment, we review all applicable procedures to ensure they are in compliance with applicable statutory regulations and the terms and conditions of the specific benefit plan.
Employee Communication Programs
Benefit Statements are one of several useful communication tools used by the HR Manager to promote the value of the benefit program. Fulcro Insurance’s “Descubre Tu Cheque Escondido” complimentary statement, is frequently used by our clients to communicate this important source of additional compensation.
Placement & Administration
Voluntary Programs
Fulcro Insurance, Inc. has been an innovator in the design and administration of voluntary employee benefit programs. Through the integration of cafeteria plan structures and client-driven indemnity provisions, we have designed and implemented successful voluntary programs that are truly flexible, and easy to understand and administer.
Some of the programs we have worked with are:
- Cancer
- ADD
- Hospital Indemnity
- Supplemental Life
Employee Benefits Program Design, Placement & Administration
Fulcro’s Employee Benefits specialists excel in designing comprehensive and cost-effective health and welfare programs for your employees. We specialize in placing insurance marketplace employee benefits programs for organizations with diverse and complex human resources profiles.
Some of the benefits we can help you with are:
- Life and Disability Insurance
- Buy and Sell Agreements
- Key Person Insurance
- Retirement Plans 401(K) or 1165 (E)
- Deferred Compensation
- IRA (Individual Retirement Account)
- Annuities
Contact our specialists to design the perfect Employee Benefits program tailored to the needs of your workforce.
* “Pay As You Go” Worker’s Compensation is also available to our U.S. clients.
Feasibility Studies of Funding Alternatives
Our Benefits specialists are very familiar with structuring special financial arrangements that give our clients cash flow benefits while preserving traditional insurance guarantees.
From Minimum Premium to ASO Programs, we can prepare a feasibility study to identify an optimum plan for your organization.
Health & Wellness Programs
Poor health habits such as bad nutrition, stress, tobacco, alcohol, and lack of exercise, among other factors, are major contributors to health-related issues. This affects and impacts the utilization of health insurance programs resulting in additional costs to all payers.
We provide you with the tools to help your employees stay healthy and active, taking advantage of the different wellness activities and initiatives that are available through our different resources.
We coordinate wellness activities so you can offer these to your employees, for example, blood pressure & vaccine clinics, nutrition and exercise orientation, stress management, smoke cessation programs, and health plan benefit orientations.
Employers can benefit from having healthier employees by:
- Improved productivity
- Reduced absenteeism
- Reduced use of health benefits
- Improved employee morale
- Increased employee loyalty
HR Consulting Services
Operational and benefits expenses continue to climb dramatically and companies are looking for additional ways to cut costs. Outsourcing is that alternative. Business executives think more analytical and strategically, which requires that they refocus their efforts away from administration and transactional processes.
Our Human Resources Consultants can provide support and technical knowledge allowing you to focus on your business’s core competencies and other strategic initiatives.
Our services include:
- HR Assessment & Audit
- Support your Human Resources Structure
- Staffing Strategy
- Compliance with Local and Federal Regulations
- Policies procedures and employee manual development
- Labor case management
- Organizational Development
- Benefits & Compensation Programs
- Affirmative Action Plan (EEO)
HR Consulting Services
Statutory Compliance Reviews
In the legal and Statutory Compliance area, Fulcro Insurance can review all benefit plans to ensure that state and federal requirements are met. An audit can be conducted addressing each compliance issue to make sure penalties are avoided.
Are your Employee Benefits Programs in compliance with the following regulations?
- ERISA: Employee Retirement Income Security Act of 1974 – Form 5500, SPD – Summary Plan Description and SAR – Summary Annual Report.
- HIPAA: Health Insurance Portability and Accountability Act of 1996
- EEOC: Equal Employment Opportunity Commission
- ADEA: Age Discrimination in Employment Act of 1967
- MEDICARE MODERNIZATION ACT
- MEDICARE SECONDARY PAYER
- COBRA: Consolidated Omnibus Reconciliation Act of 1985
- ACA: Affordable Care Act – SBC / Summary of Benefits and Coverage; MLR / Medical Loss Ratio Rebates; PCORI / Patient-Centered Outcomes Research Institute Fee; 90 days waiting period limitation.
- ADA: Americans with Disabilities Act
- GINA: Genetic Information Nondiscrimination Act of 2008
Audits of Plan Administration Procedures
The evaluation of the employee benefits program’s administrative procedure is another critical and valuable service provided to the clients of our Employee Benefits Practice.
From eligibility to the coordination of benefits, program terminations, utilization services, and cost containment, we review all applicable procedures to ensure they are in compliance with applicable statutory regulations and the terms and conditions of the specific benefit plan.
Employee Communication Programs
Benefit Statements are one of several useful communication tools used by the HR Manager to promote the value of the benefit program. Fulcro Insurance’s “Descubre Tu Cheque Escondido” complimentary statement, is frequently used by our clients to communicate this important source of additional compensation.
Placement & Administration
Voluntary Programs
Fulcro Insurance, Inc. has been an innovator in the design and administration of voluntary employee benefit programs. Through the integration of cafeteria plan structures and client-driven indemnity provisions, we have designed and implemented successful voluntary programs that are truly flexible, and easy to understand and administer.
Some of the programs we have worked with are:
- Cancer
- ADD
- Hospital Indemnity
- Supplemental Life
Employee Benefits Program Design, Placement & Administration
Fulcro’s Employee Benefits specialists excel in designing comprehensive and cost-effective health and welfare programs for your employees. We specialize in placing insurance marketplace employee benefits programs for organizations with diverse and complex human resources profiles.
Some of the benefits we can help you with are:
- Life and Disability Insurance
- Buy and Sell Agreements
- Key Person Insurance
- Retirement Plans 401(K) or 1165 (E)
- Deferred Compensation
- IRA (Individual Retirement Account)
- Annuities
Contact our specialists to design the perfect Employee Benefits program tailored to the needs of your workforce.
* “Pay As You Go” Worker’s Compensation is also available to our U.S. clients.
Feasibility Studies of Funding Alternatives
Our Benefits specialists are very familiar with structuring special financial arrangements that give our clients cash flow benefits while preserving traditional insurance guarantees.
From Minimum Premium to ASO Programs, we can prepare a feasibility study to identify an optimum plan for your organization.
Health & Wellness Programs
Poor health habits such as bad nutrition, stress, tobacco, alcohol, and lack of exercise, among other factors, are major contributors to health-related issues. This affects and impacts the utilization of health insurance programs resulting in additional costs to all payers.
We provide you with the tools to help your employees stay healthy and active, taking advantage of the different wellness activities and initiatives that are available through our different resources.
We coordinate wellness activities so you can offer these to your employees, for example, blood pressure & vaccine clinics, nutrition and exercise orientation, stress management, smoke cessation programs, and health plan benefit orientations.
Employers can benefit from having healthier employees by:
- Improved productivity
- Reduced absenteeism
- Reduced use of health benefits
- Improved employee morale
- Increased employee loyalty
HR Consulting Services
Operational and benefits expenses continue to climb dramatically and companies are looking for additional ways to cut costs. Outsourcing is that alternative. Business executives think more analytical and strategically, which requires that they refocus their efforts away from administration and transactional processes.
Our Human Resources Consultants can provide support and technical knowledge allowing you to focus on your business’s core competencies and other strategic initiatives.
Our services include:
- HR Assessment & Audit
- Support your Human Resources Structure
- Staffing Strategy
- Compliance with Local and Federal Regulations
- Policies procedures and employee manual development
- Labor case management
- Organizational Development
- Benefits & Compensation Programs
- Affirmative Action Plan (EEO)
Contact one of our specialists:
Julio Ortiz
People Practice Leader
Claims & Disputes
Our Claims Specialists ensure our clients receive compensation for every loss covered by their policy. Our experts understand the claims process and work in favor of the insured.
Some of the services we offer through our Claims Practice include:
Pre-Loss Activities
Pre-Loss Activities
Effective pre-loss planning is rooted in a systematic study of past claim practices, recognition of weaknesses, and efforts to correct or improve them. To a great degree, this will determine how closely claim settlements will conform to your expectations.
Pre-loss services include the following:
- As required, review and update claims handling procedures.
- Conduct coverage workshops to ensure a clear understanding of your insurance policy.
- Verify if required documentation to prove a loss is reasonably available.
Loss Reporting
The loss reporting function can be summarized as follows:
- Receive the loss notice or report from the client.
- Review coverage, deductibles, limits, and restrictions.
- Report to the adjuster.
- Arrange for on-site meetings when necessary.
- Work with the client to have the necessary people in attendance.
Loss Coordination
As our client’s claims consultant, Fulcro will:
- Gain agreement with the adjuster on emergency steps to be taken.
- Evaluate potential exposures in light of the coverage afforded.
- Establish a preparation time frame.
- Implement the means of capturing all loss expenses.
- Prepare a strategy to resume operations.
- Review coverage and identify policy limitations and requirements.
Fulcro will also work with your organization to:
- Devise clear lines of communication between the field staff, risk manager, and adjuster.
- Ensure that local personnel understands the function of the adjuster, experts, broker, and other consultants participating in the process.
- Guide or assist in the preparation of the claim.
- Review and critique the claim before submission to insurers or adjusters.
- Monitor the status of the claim. If the claim involves a lawsuit that is forwarded to an insurance company under their duty to defend provisions, our in-house attorneys will also perform legal claims tracking.
Negotiation & Dispute Resolution
A successful claim negotiation is a consensus-building process that begins at the date of loss. When properly carried out, the process is a combination of decision-making, communication, and, most importantly, negotiation.
A well-prepared claim presents the client’s case strongly and establishes the client’s perspective, immediately, at the outset. Realistic goals, the application of past lessons learned, and the commitment to act constructively in controlling the process are key to effectively manage a claim’s negotiation.
However, if a claim has to be submitted to the courts for final adjudication, we provide litigation support services to ensure the client’s contractual rights are adequately protected.
Loss Reporting
Pre-Loss Activities
Effective pre-loss planning is rooted in a systematic study of past claim practices, recognition of weaknesses, and efforts to correct or improve them. To a great degree, this will determine how closely claim settlements will conform to your expectations.
Pre-loss services include the following:
- As required, review and update claims handling procedures.
- Conduct coverage workshops to ensure a clear understanding of your insurance policy.
- Verify if required documentation to prove a loss is reasonably available.
Loss Reporting
The loss reporting function can be summarized as follows:
- Receive the loss notice or report from the client.
- Review coverage, deductibles, limits, and restrictions.
- Report to the adjuster.
- Arrange for on-site meetings when necessary.
- Work with the client to have the necessary people in attendance.
Loss Coordination
As our client’s claims consultant, Fulcro will:
- Gain agreement with the adjuster on emergency steps to be taken.
- Evaluate potential exposures in light of the coverage afforded.
- Establish a preparation time frame.
- Implement the means of capturing all loss expenses.
- Prepare a strategy to resume operations.
- Review coverage and identify policy limitations and requirements.
Fulcro will also work with your organization to:
- Devise clear lines of communication between the field staff, risk manager, and adjuster.
- Ensure that local personnel understands the function of the adjuster, experts, broker, and other consultants participating in the process.
- Guide or assist in the preparation of the claim.
- Review and critique the claim before submission to insurers or adjusters.
- Monitor the status of the claim. If the claim involves a lawsuit that is forwarded to an insurance company under their duty to defend provisions, our in-house attorneys will also perform legal claims tracking.
Negotiation & Dispute Resolution
A successful claim negotiation is a consensus-building process that begins at the date of loss. When properly carried out, the process is a combination of decision-making, communication, and, most importantly, negotiation.
A well-prepared claim presents the client’s case strongly and establishes the client’s perspective, immediately, at the outset. Realistic goals, the application of past lessons learned, and the commitment to act constructively in controlling the process are key to effectively manage a claim’s negotiation.
However, if a claim has to be submitted to the courts for final adjudication, we provide litigation support services to ensure the client’s contractual rights are adequately protected.
Loss Coordination
Pre-Loss Activities
Effective pre-loss planning is rooted in a systematic study of past claim practices, recognition of weaknesses, and efforts to correct or improve them. To a great degree, this will determine how closely claim settlements will conform to your expectations.
Pre-loss services include the following:
- As required, review and update claims handling procedures.
- Conduct coverage workshops to ensure a clear understanding of your insurance policy.
- Verify if required documentation to prove a loss is reasonably available.
Loss Reporting
The loss reporting function can be summarized as follows:
- Receive the loss notice or report from the client.
- Review coverage, deductibles, limits, and restrictions.
- Report to the adjuster.
- Arrange for on-site meetings when necessary.
- Work with the client to have the necessary people in attendance.
Loss Coordination
As our client’s claims consultant, Fulcro will:
- Gain agreement with the adjuster on emergency steps to be taken.
- Evaluate potential exposures in light of the coverage afforded.
- Establish a preparation time frame.
- Implement the means of capturing all loss expenses.
- Prepare a strategy to resume operations.
- Review coverage and identify policy limitations and requirements.
Fulcro will also work with your organization to:
- Devise clear lines of communication between the field staff, risk manager, and adjuster.
- Ensure that local personnel understands the function of the adjuster, experts, broker, and other consultants participating in the process.
- Guide or assist in the preparation of the claim.
- Review and critique the claim before submission to insurers or adjusters.
- Monitor the status of the claim. If the claim involves a lawsuit that is forwarded to an insurance company under their duty to defend provisions, our in-house attorneys will also perform legal claims tracking.
Negotiation & Dispute Resolution
A successful claim negotiation is a consensus-building process that begins at the date of loss. When properly carried out, the process is a combination of decision-making, communication, and, most importantly, negotiation.
A well-prepared claim presents the client’s case strongly and establishes the client’s perspective, immediately, at the outset. Realistic goals, the application of past lessons learned, and the commitment to act constructively in controlling the process are key to effectively manage a claim’s negotiation.
However, if a claim has to be submitted to the courts for final adjudication, we provide litigation support services to ensure the client’s contractual rights are adequately protected.
Negotiation & Dispute Resolution
Pre-Loss Activities
Effective pre-loss planning is rooted in a systematic study of past claim practices, recognition of weaknesses, and efforts to correct or improve them. To a great degree, this will determine how closely claim settlements will conform to your expectations.
Pre-loss services include the following:
- As required, review and update claims handling procedures.
- Conduct coverage workshops to ensure a clear understanding of your insurance policy.
- Verify if required documentation to prove a loss is reasonably available.
Loss Reporting
The loss reporting function can be summarized as follows:
- Receive the loss notice or report from the client.
- Review coverage, deductibles, limits, and restrictions.
- Report to the adjuster.
- Arrange for on-site meetings when necessary.
- Work with the client to have the necessary people in attendance.
Loss Coordination
As our client’s claims consultant, Fulcro will:
- Gain agreement with the adjuster on emergency steps to be taken.
- Evaluate potential exposures in light of the coverage afforded.
- Establish a preparation time frame.
- Implement the means of capturing all loss expenses.
- Prepare a strategy to resume operations.
- Review coverage and identify policy limitations and requirements.
Fulcro will also work with your organization to:
- Devise clear lines of communication between the field staff, risk manager, and adjuster.
- Ensure that local personnel understands the function of the adjuster, experts, broker, and other consultants participating in the process.
- Guide or assist in the preparation of the claim.
- Review and critique the claim before submission to insurers or adjusters.
- Monitor the status of the claim. If the claim involves a lawsuit that is forwarded to an insurance company under their duty to defend provisions, our in-house attorneys will also perform legal claims tracking.
Negotiation & Dispute Resolution
A successful claim negotiation is a consensus-building process that begins at the date of loss. When properly carried out, the process is a combination of decision-making, communication, and, most importantly, negotiation.
A well-prepared claim presents the client’s case strongly and establishes the client’s perspective, immediately, at the outset. Realistic goals, the application of past lessons learned, and the commitment to act constructively in controlling the process are key to effectively manage a claim’s negotiation.
However, if a claim has to be submitted to the courts for final adjudication, we provide litigation support services to ensure the client’s contractual rights are adequately protected.
Contact one of our specialists:
Arturo Ortiz
Claims Practice Leader
Our Risk Practices are staffed with excellent resources and insurance experts that give our firm the cpaabilities to act as an all lines insurance broker commited to helping you design an effective and specialized policy plan for your specific industry and business needs.
Our Risk Practices are staffed with excellent resources and insurance experts that give our firm the cpaabilities to act as an all lines insurance broker commited to helping you design an effective and specialized policy plan for your specific industry and business needs.
Our Risk Practices are staffed with excellent resources and insurance experts that give our firm the cpaabilities to act as an all lines insurance broker commited to helping you design an effective and specialized policy plan for your specific industry and business needs.
Our Risk Practices are staffed with excellent resources and insurance experts that give our firm the cpaabilities to act as an all lines insurance broker commited to helping you design an effective and specialized policy plan for your specific industry and business needs.
Our Risk Practices are staffed with excellent resources and insurance experts that give our firm the cpaabilities to act as an all lines insurance broker commited to helping you design an effective and specialized policy plan for your specific industry and business needs.
Case Studies
Why do I need a Surety Bond?
Financial security that contractors will perform the work & pay subcontractors & suppliers.
Equipment Breakdown Insurance
Coverage applies to the cost to repair or replace the equipment & any other property damaged by the breakdown.